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Even if you have not picked out houses to view yet, it's important to see your mortgage professional early. Why? If you do not know yet how much home you need to qualify for, how could we help?
We Will Help You Pre-Qualify
We can help determine how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. In the process, we explore your capacity to borrow - reviewing your earning status, money available for down payment, existing debt, income, and other areas. It's short and to the point; We keep the paperwork light.
We give you a Pre-Qualification Letter after you qualify, that documents that we are confident you will qualify for up to a certain amount of mortgage loan dollars.
Once you locate the house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage will do a number of things. First, you have some general numbers in mind, as the total you will qualify for with your loan. Being pre-qualified also will make your offer look even better to the home seller, as if you were bringing them a suitcase of cash! They won't need to worry that that they are wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to lose sleep over. They have a virtual guarantee to trust your ability to back up your offer.
We will 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 are able to afford by helping you pre-qualify. The process outlines your finances - your debts, income, career, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
Face to Face
While you are encouraged to try our tools to calculate mortgage variables on this site, it is essential to meet with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can review your mortgage loan options to be sure you are in the best one. Contact us at 516-431-2009 to get your pre-qualification process started.