When to Speak to a Mortgage Professional
Shopping for a mortgage loan? We can assist you! Give us a call today at (334) 285-8850. Ready to begin? Apply Now.
It is helpful to see a mortgage loan pro early, even before you've determined what sort of home you hope to find. What for? How can we help if you haven't made an offer, and do not yet know how much you want to borrow?
We Will Help You Pre-Qualify
We will help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. The process outlines your financial situation - your debt, income, job, and down payment money, among other things. It's short and to the point; We keep the paperwork to a minimum.
When you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
With your pre-qualification letter, some advantages fall at your feet once you locate the home you want to put together an offer for. First, it lets you know the amount that you are able to offer.
Of greater importance to the existing home owner, your being pre-qualified is like your having entered their front door with a bag full of money ready to make the deal! They need not wonder if they are wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the capability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. This process outlines your current financial situation - your debt, income, career, cash available for down payment, among other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.
One on one
You can certainly use the calculators on this site to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your mortgage choices and be sure you are in the right one. Let us get you started: Contact us at (334) 285-8850.
Have questions about pre-qualifying? Call us at (334) 285-8850. It's our job to answer pre-qualification questions, so we're happy to help!