When to Talk to a Mortgage Pro
Searching for a loan? We will be glad to help! Call us at 248-644-1200. Ready to get started? Apply Now.
It's important to visit with a mortgage loan pro first, even before you have determined what type of home to search for. What for? It may be hard to understand how we can help even before you begin to negotiate.
We Will Help You Pre-Qualify
When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and how much we of a loan you will qualify for. We can achieve this by considering your income and debts, your employment and housing situations, the available funds for down payment, required reserves, and some other things. We ask for a minimum amount of paperwork, with a short,basic process.
We give you a Pre-Qualification Letter after you qualify, that says that we are confident you'll qualify for up to a predetermined amount of mortgage dollars.
Armed with your pre-qualification letter, some advantages fall at your feet at the point you find the house you want to put together an offer on. First, it helps you know how much you can offer.
Even more important to the present owner, your pre-qualification gives them confidence - as if you had entered their home with a bag of cash to back up the offer! They won't need to be concerned they're wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.
We help with your pre-qualification
Our mortgage professionals can 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, we explore your borrowing potential - reviewing your job, money available for down payment, debt, income, and other areas. We as for a minimum amount of paperwork, with a short, basic process.
You can always use the calculators here on this website to get an idea of how much mortgage you can afford - but it's also essential to talk with one of our mortgage professionals. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your mortgage program choices and make sure you are in the best one. We are waiting to hear from 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.
Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.