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It's important to see a mortgage loan pro early, even if you haven't settled on the sort of house to look for. Why? If you don't know yet how much home you need to qualify for, what can we do for you?
We can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We can accomplish this by analyzing your debts and income, your employment and housing situations, the funds available for a down payment, required reserves, and other financial considerations. It's quick and to the point; We keep the paperwork to a minimum.
When you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are helping you to find the ideal loan program to fit your situation and that we are confident you'll qualify for a loan for a specific amount.
Several advantages open to you after you have found your next house, and have achieved pre-qualification power. First, it helps you know how much you can offer.
Of greater importance to the home seller, your being pre-qualified is like your having entered their house with a suitcase full of cash to make the deal! They need not be concerned they are wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You'll have the sway of a buyer ready to make the deal right now!
We will help you pre-qualify
We can help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We will achieve this by considering your income and debts, your employment and residence circumstances, the funds available for down payment, required reserves, and some other things. We require a minimum amount of paperwork, and avoid a lengthy process.
You can certainly use the calculators available on this site to get an idea of how much mortgage you'll be able to afford - but it's also important to talk with us. That way, we'll help you get your pre-qualification letter. For another thing, we could be able to find a different mortgage program that fits your goals better. We are waiting to meet with you: contact 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!