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It can be important to see a mortgage professional first, even if you haven't decided the sort of home to look for. What for? Perhaps it is hard to understand the ways we can help even before you begin to calculate your offer.
We Will Help You Pre-Qualify
We can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We will do this by considering your debts and income, your employment and residence circumstances, your funds available for a down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter if you qualify, that states that we're confident you'll qualify for up to a predetermined amount of mortgage dollars.
Several advantages open to you after you have found your new house, and have pre-qualification. First of all, you have some concrete numbers in mind, as the total you will qualify for with your mortgage.
Your pre-qualification will also make your offer look even better to the home seller, as if you were bringing them a bag full of cash! They won't have to wonder if that they have been wasting their time if you do not be able to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not be something for them to worry about. You have the capability to back your offer up.
We help with your pre-qualification
When we pre-qualify you, we help you find out the amount you can afford in mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. We do this by reviewing your debts and income, your employment and housing situations, the available funds for down payment, required reserves, and some other things. It's short and to the point; and we keep the paperwork to a minimum.
Face to Face
It is vital for you to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our site. We can work toward your pre-qualification letter. Next, we can study your loan choices to be sure you are in the right one. We are waiting to meet with you: contact us at (334) 285-8850.
Have questions about pre-qualifying? Call us at (334) 285-8850. We answer pre-qualification questions every day.