Why it's Important to Pre-Qualify
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Even if you haven't picked out houses to view yet, it is important to contact your mortgage professional first. Why? Maybe it's hard to understand how we can help even before you start to negotiate.
We Can Help You Pre-Qualify
Our mortgage professionals can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In the process, we calculate your ability to borrow - reviewing your earning status, available money for down payment, debt, income, and other areas. We require a minimum amount of paperwork, and avoid a lengthy process.
At the point you are determined to be eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Various beneifits open to you once you find your next house, and have achieved pre-qualification. First, it lets you know the amount that you're able to offer.
Even more important to the seller of the house, your pre-qualification letter gives them certainty - as if you had entered their home with a bag of cash to back up the offer! They won't need to worry that they're wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to fret over. You have the ability to back up your offer.
We can help you pre-qualify
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. This process leads you through your finances - your debts, income, employment, down payment money, among other things. We will require a minimum amount of paperwork, with a short, basic process.
Face to Face
You can certainly use the mortgage calculators available on this website to get an idea of how much mortgage you'll be able to afford - but it's also important to meet with us. That way, we can help you get your pre-qualification letter. Next, we can study your mortgage options and make sure you have chosen the best one. We're eager to hear from you: call us at 248-644-1200.
Have questions about pre-qualifying? Call us at 248-644-1200. It's our job to answer pre-qualification questions, so we're happy to help!
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