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It's valuable to consult with your mortgage professional as soon as possible — even before you've started to research neighborhoods. What for? What can I do for you if you have not negotiated a purchase amount, and do not know yet the amount you want to borrow?
I Can Help You Pre-Qualify
I will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. During this process, I'll determine your borrowing power - 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.
I'll give you a Pre-Qualification Letter when you qualify, that states that I'm confident you will qualify for up to a specific amount of mortgage dollars.
Several benefits open to you once you've found your new house, and have pre-qualification power. The first is that you'll know the amount you can afford when putting together the offer. Of greater importance to the seller, your being pre-qualified is like your having walked into their front door with a bag full of money to make the deal! They need not wonder if that they are wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You'll have the sway of a buyer ready to make the deal on the spot!
I help with your pre-qualification
When I pre-qualify you, I help you figure out how much of a monthly payment you can fit in your budget, and the size of loan you can qualify for. The process outlines your finances - your debt, income, career, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.One on one
While you are encouraged to benefit from our tools to calculate mortgage variables on this site, it's a good idea to sit down and talk with me. For one thing, you'll need a Pre-Qualification Letter! Next, we can study your mortgage loan options to make sure you are in the right one. Let me help you get started: Contact me at (619) 758-4035.
Have questions about pre-qualifying? Call me at (619) 758-4035. I answer pre-qualification questions every day.