When to Speak to Your Mortgage Professional
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It is important to consult your mortgage professional as soon as possible — even before you've started to research neighborhoods. Why? Maybe it's difficult to fathom the ways we could help even before you begin to calculate your offer.
When we pre-qualify you, we help you determine the amount in mortgage payments you can fit in your budget, and the loan amount you can qualify for. In the process, we look at your borrowing capacity - analyzing your employment, money available for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter once you qualify, that states that we're confident you'll qualify for up to a predetermined amount of mortgage dollars.
After you locate the house that meets your needs, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it lets you know how much you're able to offer. More important to the seller, your being pre-qualified is like your having entered their house with a suitcase full of cash to purchase their house! They won't need to wonder if that they are wasting their time if you don't have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't cause them concern. You can have the clout of a buyer ready to make the deal right now!
We will help you pre-qualify
We can 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 the pre-qualification process. The process takes you through your finances - your debts, income, job, cash available for down payment, among other things. It's quick and basic; and we keep the paperwork to a minimum.
Face to Face
While you can benefit from our mortgage calculators on our website, it will be a good idea to sit down and talk with us. That way, we will be able to help you get your pre-qualification letter. Next, we can review your mortgage program choices and make sure you are in the best one. Contact us at 435-755-6622 to get your pre-qualification process started.