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Even if you have not so much as researched houses to view yet, it is valuable to see your mortgage professional first. What for? It might be difficult to fathom the ways in which we could help even before you begin to negotiate.
We can help you calculate the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In this process, we explore your capacity to borrow - looking at your employment, available money for down payment, debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter when you qualify, that says that we are confident you can qualify for a specific amount of mortgage loan dollars.
Several advantages open to you once you've found your new house, and have achieved pre-qualification power. First, you have some definite numbers in mind, as the total you will qualify for with your mortgage.
Even more important to the seller, your pre-qualification status gives them confidence - as if you had entered their house with a suitcase of cash to make the offer! They won't need to be concerned they have been wasting their time if you will not be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't be something for them to lose sleep over. They have a virtual guarantee to trust your buying power.
We can help you pre-qualify
Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We do this by reviewing your income and debts, your employment and residence situations, your funds available for down payment, required reserves, and other considerations. It is a short, thorough process with minimal risks for papercuts.
Face to Face
You can certainly use the mortgage calculators on our site to calculate the size mortgage you can afford - but it's also important to meet with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. For another thing, we might find a different mortgage option that fits your goals better. Contact us at 978-422-2311 to get started.
Have questions about pre-qualifying? Call us at 978-422-2311. We answer pre-qualification questions every day.