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It's important to consult with your mortgage professional as soon as possible — even before you have begun researching neighborhoods. Why? How can we help before you have negotiated an amount, and don't yet know the amount you want to borrow?
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 mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your current financial situation - your debts, income, employment, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, with a short,basic process.
At the point you are considered eligible, we document our confidence in your ability to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
When you locate a house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage will do several things. First, it helps you know how much you can offer. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had come to their house with a bag of cash to back up the offer! They won't have to wonder if that they're wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to fret over. You have the ability to back your offer up.
We can help you pre-qualify
When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and how much we of a loan you can qualify for. We achieve this by considering your income and debts, your work and housing situations, the available funds for down payment, required reserves, and other considerations. It's quick and to the point; and we keep the paperwork to a minimum.
While you are encouraged to benefit from our mortgage calculators on this site, it will be a good idea to meet with us. We can walk you through your pre-qualification letter. Next, we can study your mortgage loan choices and be sure you are in the right one. We are eager to hear from you: contact us at (951)840-4188.