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It is helpful to consult your mortgage loan professional early — even before you've started to consider neighborhoods. Why? Maybe it is difficult to fathom the ways in which we can help even before you start to talk about prices and negotiations.
We will help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During the process, we determine your capacity to borrow - reviewing your job, available money for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, with a quick process.
Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that says that we are helping you to find the best loan program to fit your needs and that we are confident you will qualify for a loan for up to a certain amount.
With your pre-qualification letter, some advantages are yours when you find the home you want to make an offer on. First of all, you have some general numbers in mind, as the amount you can borrow.
Even more important to the seller, your pre-qualification letter gives them certainty - as if you'd arrived at their house with a bag of cash to make the offer! They won't need to wonder if they're wasting their time if you will not have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to fret over. You have the capability to back your offer up.
We will help you pre-qualify
We can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. During the process, we calculate your ability to borrow - looking at your employment, available money for down payment, debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.
Face to Face
While you are encouraged to use our tools to calculate mortgage variables on our site, it will be essential to meet with us. We can work toward your pre-qualification letter. Then, we can make sure we have selected the best mortgage program for you. We're waiting to meet with you: contact us at 978-422-2311.
Have questions about pre-qualifying? Call us at 978-422-2311. We answer pre-qualification questions every day.