When to Talk to a Mortgage Professional
Are you looking for a mortgage? We'll be glad to talk about our many mortgage solutions! Call us at (334) 285-8850. Ready to get started? Apply Here.
It's helpful to visit with a mortgage loan pro early, even if you haven't decided what sort of home to search for. What for? Perhaps it is hard to understand the ways we can help even before you start to negotiate.
We will help you calculate how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. During this process, we determine your capacity to borrow - looking at your job, money available for down payment, existing debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter once you qualify, that states that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.
After you locate a house that is right for you, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. First, you have some general numbers in mind, as the amount you will be able to borrow.
More important to the home seller, your being pre-qualified is like your having walked into their front door with a bag full of money to purchase the home! They need not worry that they have been wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to lose sleep over. You have the clout of a buyer ready to make the purchase on the spot!
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can afford, and how much we of a loan you can qualify for. In this process, we calculate your capacity to borrow - analyzing your earning status, money available for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.
You can always use the mortgage calculators here on this website to calculate how much mortgage you'll be able to afford - but it's also valuable to meet with us. That way, we can help you get your pre-qualification letter. Then, we will make sure we have found the right mortgage loan program for you. Let us help you get started: Call us at (334) 285-8850.
Have questions about pre-qualifying? Call us at (334) 285-8850. We answer pre-qualification questions every day.