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It's important to bring in your mortgage professional as soon as possible — even before you've started narrowing down neighborhoods. What for? It may be hard to understand how we could help even before you start to calculate your offer.
We Can Help You Pre-Qualify
We can help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. This process outlines your finances - your debt, income, employment, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
Once you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").
After you locate the house that is ideal for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do a couple of things. First, it lets you know the amount that you are able to offer.
Of greater importance to the home seller, your pre-qualification is like your having entered their house with a suitcase full of money ready to make the deal! They will not need to be concerned they're wasting their time if you will not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. You have the ability to back up your offer.
We can help you pre-qualify
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We achieve this by considering your debts and income, your employment and residence situations, your available funds for a down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.
Face to Face
While you can use our mortgage calculators on our site, it will be a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have chosen the right mortgage program for your situation. Let us get you started: Call us at 410-451-2755.
Have questions about pre-qualifying? Call us at 410-451-2755. It's our job to answer pre-qualification questions, so we're happy to help!