The Importance of Pre-Qualifying
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Even if you haven't narrowed down homes to view yet, it's valuable to visit with your mortgage loan professional first. Why? If you don't know yet how much home you need to qualify for, what can we do for you?
We Will Help You Pre-Qualify
We will help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through pre-qualifying. This process outlines your finances - your debts, income, employment, and down payment money, among other things. It's quick and to the point; We keep the paperwork to a minimum.
After you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").
Various beneifits open to you after you have found your next house, and have achieved pre-qualification. First, it lets you know how much you're able to offer.
Having pre-qualification also will make your offer look even better to the seller, like you were bringing them a bag full of cash! They won't have to wonder if they have been wasting their time if you don't have the ability to qualify for a high enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the ability to back up your offer.
We can help you pre-qualify
We can help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. We can accomplish this by reviewing your debts and income, your employment and housing circumstances, the available funds for a down payment, required reserves, and some other things. We require a minimum amount of paperwork, and avoid a lengthy process.
While you are encouraged to try our tools to calculate mortgage variables on our website, it will be essential to meet with us. For one thing, you will want a Pre-Qualification Letter! Next, we can consider your mortgage loan options to be sure you have found the best one. Contact us at (337) 453-0012 to get started.
Have questions about pre-qualifying? Call us at (337) 453-0012. We answer pre-qualification questions every day.