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It's valuable to consult with your mortgage loan professional as soon as possible — even before you've started to research neighborhoods. What for? What can we do for you if you haven't made an offer, and don't know yet the amount you need to borrow?
We Can Help You Pre-Qualify
Our mortgage professionals can 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 analyzing your debts and income, your employment and housing situations, your available funds for down payment, required reserves, and other considerations. We require a minimum amount of paperwork, with a quick process.
We will give you a Pre-Qualification Letter when you qualify, that documents that we're confident you can qualify for up to a certain amount of mortgage dollars.
Power in the Pre-Qual
With your pre-qualification letter, a number of advantages fall at your feet when you find the house you want to make an offer for. First, it helps you know how much you are able to offer.
Of greater importance to the home seller, your being pre-qualified is like your having walked into their house with a suitcase full of cash ready to purchase the home! They won't need to be concerned that they're wasting their time if you will not be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't be something for them to be concerned about. You have the ability to back up your offer.
We help with your pre-qualification
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. We can achieve this by considering your income and debts, your work and housing situations, the available funds for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a quick process.
Face to Face
It's important to sit down and meet with us, even though you are free to also try the helpful mortgage loan calculators on our site. That way, we will help you get your pre-qualification letter. Next, we can review your mortgage program options and be sure you have found the best one. Let us get you started: Call us at (513) 713-1515.
Have questions about pre-qualifying? Call us at (513) 713-1515. It's our job to answer pre-qualification questions, so we're happy to help!