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It can be helpful to see a mortgage professional early, even if you haven't settled on what sort of home to look for. Why? It might be hard to fathom how we could help even before you start to calculate your offer.
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We will accomplish this by considering your debts and income, your employment and residence situations, the available funds for a down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.
When you are considered eligible, we prove our confidence in your potential to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a "pre-qual").
With your pre-qualification letter, some advantages fall at your feet at the point you find the home you want to make an offer on. First, you have some general numbers in mind, as the amount you will qualify for with your mortgage. More important to the home seller, your pre-qualification is like your having walked into their house with a bag full of cash to make the deal! They will not have to wonder if they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't be something for them to worry about. You have the capability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. The process leads you through your current financial situation - your debt, income, job, cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
You can certainly use the calculators on this website to get an idea of how much mortgage you'll be able to afford - but it's also important to meet with us. For one thing, you'll want a Pre-Qualification Letter! Next, we can study your mortgage program options and make sure you are in the right one. We are waiting to meet with you: contact us at 714-939-3863.
Have questions about pre-qualifying? Call us at 714-939-3863. We answer pre-qualification questions every day.