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It can be important to see a mortgage loan pro early, even before you have determined the kind of home you hope to find. Why? Maybe it is difficult to fathom the ways in which we could help even before you begin to calculate your offer.
We Can Help You Pre-Qualify
We will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We achieve this by considering your income and debts, your employment and residence circumstances, your available funds for a down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.
We'll award you a Pre-Qualification Letter when you qualify, that documents that we're confident you can qualify for up to a specific amount of mortgage loan dollars.
Power in the Pre-Qual
When you locate the house that is best 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 concrete numbers in mind, as the total you will qualify for with your loan. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you had entered their house with a big box of cash to make the offer! They need not worry that that they're wasting their time if you can't have the ability 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 worry about. You have the capability to back up your offer.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in monthly payments you can afford, and how much we of a loan you can qualify for. We accomplish this by analyzing your debts and income, your employment and residence circumstances, the available funds for down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
Face to Face
While you are able to try our tools to calculate mortgage variables on this site, it's essential to sit down and talk with one of our mortgage professional team members. That way, we'll be able to help you get your pre-qualification letter. Then, we can make sure we have the ideal mortgage loan program for you. Let us help you get started: Call us at 516-431-2009.