When to Speak to a Mortgage Pro

It can be important to see a mortgage professional first, even before you've decided what type of home to search for. What for? What can we do for you if you have not made an offer, and do not yet know the amount you want to borrow?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. We accomplish this by reviewing your income and debts, your employment and residence situations, the available funds for down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.

We will award you a Pre-Qualification Letter if you qualify, that documents that we are confident you will qualify for a predetermined amount of mortgage loan dollars.

Power in the Pre-Qual

After you locate a house that is ideal for you, and you decide to put together an offer, being pre-qualified for a mortgage will do a number of things. First, you have some general numbers in mind, as the total you can borrow. Of greater importance to the current home owner, your pre-qualification is like your having entered their front door with a suitcase full of cash ready to purchase the home! They need not wonder if they have been wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to fret over. They have a virtual guarantee to trust your buying power.

We will help you with your pre-qualification

We will help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through the pre-qualification process. During the process, we explore your borrowing capacity - reviewing your job, money available for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.

Face to Face

While you can benefit from our mortgage calculators on this website, it's a good idea to sit down and talk with one of our mortgage professional team members. That way, we'll be able to help you get your pre-qualification letter. Then, we will make sure we have the right mortgage program for your situation. Let us help you get started: Call us at 773-557-1000.