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It's valuable to see a mortgage loan pro early, even if you haven't decided the kind of home to search for. Why? If you don't know yet how much house you need to qualify for, what can we help you with?
We Can Help You Pre-Qualify
We will help determine how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. During this process, we determine your borrowing capacity - reviewing your earning status, money available for down payment, debt, income, and other circumstances. It's quick and to the point; We take pride in keeping the paperwork to a minimum.
At the point you are considered eligible, we prove our confidence in your ability to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a "pre-qual").
A number of beneifits open to you once you find your dream house, and have pre-qualification. First, you have some concrete numbers in mind, as the amount you will qualify for on your mortgage loan.
More important to the existing home owner, your pre-qualification is like your having entered their house with a bag full of money to make the deal! They will not need to worry that they are wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller of the home 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 mortgage loan amount won't cause them concern. They have a virtual guarantee that they can trust your buying power.
We will help you pre-qualify
When we pre-qualify you, we help you determine the amount you can afford in mortgage payments you can fit in your budget, and the loan amount you will qualify for. We will do this by analyzing your debts and income, your employment and housing situations, the available funds for down payment, required reserves, and other considerations. It is a quick, thorough process with minimal risks for papercuts.
Face to Face
You can certainly use the mortgage calculators available on our website to calculate how much mortgage you can afford - but it's also important to meet with us. We can begin getting your pre-qualification letter. Next, we can consider your loan choices and make sure you are in the right one. We are eager to meet with you: call us at 248-644-1200.
Have questions about pre-qualifying? Call us at 248-644-1200. We answer pre-qualification questions every day.
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