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It's helpful to see a mortgage loan pro first, even before you've determined what type of home you hope to find. Why? Maybe it's hard to understand how we could help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
We can help you calculate how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. We can accomplish this by analyzing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. It's short and to the point; We keep the paperwork to a minimum.
We award you a Pre-Qualification Letter when you qualify, that documents that we're confident you'll qualify for a certain amount of mortgage dollars.
When you find the house that meets your needs, and you decide to make an offer, being pre-qualified for a mortgage will do a number of things. The first is that you can know what you'll be able to afford when putting together your offer.
Even more important to the existing owner, your pre-qualification gives them certainty - as if you had arrived at their house with a suitcase of cash to make the offer! They won't need to wonder if that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back up your offer.
We will help you pre-qualify
Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. The process outlines your financial situation - your debts, income, employment, down payment money, among other things. We require a minimum amount of paperwork, with a short, basic process.
One on one
It's vital to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculator tools on our site. For one thing, you'll want a Pre-Qualification Letter! For another thing, we may be able to locate a different mortgage loan option that is a better fit for you. We're eager to meet with you: call us at 978-422-2311.
Have questions about pre-qualifying? Call us at 978-422-2311. We answer pre-qualification questions every day.