When to Speak to a Mortgage Professional About Pre-Qualifying

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Even if you haven't so much as researched homes to visit yet, it can be important to visit with your mortgage pro first. Why? How can we help you before you have negotiated an amount, and do not know yet the amount you want to borrow?

We Will Help You Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. In this process, we calculate your borrowing capacity - looking at your earning status, money available for down payment, debts, income, and other circumstances. It's short and basic; We take pride in keeping the paperwork to a minimum.

When you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

Once you locate the house that is ideal for you, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. First, it lets you know the amount that you can offer. Even more important to the seller, your pre-qualification status gives them certainty - as if you'd come to their house with a suitcase of cash to make the offer! They need not wonder if they are wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to worry about. You'll have the influence of a buyer ready to make the purchase on the spot!

We can help you pre-qualify

We will help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. The process takes you through your current financial situation - your debts, income, employment, down payment money, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

You can certainly use the mortgage calculators here on this website to calculate the size mortgage you will be able to afford - but it's also valuable to meet with us. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have selected the right mortgage loan program for your situation. Let us help you get started: Call us at 269-282-1612.

Have questions about pre-qualifying? Call us at 269-282-1612. clickformyloan.com answers pre-qualifying questions every day.