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It is helpful to bring in your mortgage professional early — even before you've started to consider neighborhoods. What for? If you don't know yet how much home you need to qualify for, what could we do for you?
We Can Help You Pre-Qualify
We can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. The process walks you through your financial situation - your debt, income, job, and down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter after you qualify, that states that we're confident you'll qualify for a predetermined amount of mortgage loan dollars.
Once you find a house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do several things. First of all, you have some general numbers in mind, as the total you will qualify for on your mortgage loan.
Of greater importance to the seller, your pre-qualification is like your having walked into their house with a bag full of money ready to purchase their house! They won't need to wonder if that they're wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller 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 have the capability to back your offer up.
We will help you with your pre-qualification
We will help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We will accomplish this by reviewing your income and debts, your work and residence circumstances, your 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.
While you are able to try our mortgage calculators on our website, it will be essential to sit down and talk with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Then, we can make sure we have the best mortgage program for your situation. Contact us at (401) 583-4150 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (401) 583-4150. We answer pre-qualification questions every day.