The Importance of Pre-Qualifying
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It is helpful to bring in your mortgage loan professional early — even before you have begun researching neighborhoods. Why? It might be hard to fathom the ways we could help even before you start to calculate your offer.
We can help you see how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by taking you through pre-qualifying. In the process, we determine your capacity to borrow - analyzing your job, money available for down payment, debt, income, and other circumstances. It's short and basic; We keep the paperwork to a minimum.
When you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Several advantages open to you after you find your dream house, and have pre-qualification power. The first is that you will be sure the amount you'll be able to afford when calculating the offer.
Being pre-qualified also will make your offer more attractive to the home seller, like you were bringing them a bag full of cash! They won't need to worry that they have been wasting their time if you will not have the ability to qualify for a high enough mortgage loan. 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 won't cause them concern. You have the capability to back your offer up.
We will help you pre-qualify
We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. During this process, we explore your capacity to borrow - reviewing your job, available money for down payment, debt, income, and other areas. It's quick and basic; and we keep the paperwork to a minimum.
One on one
It's important for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculators on our website. For one thing, you'll need a Pre-Qualification Letter! Next, we can study your loan choices to be sure you have found the best one. Contact us at 866-840-8745 x2 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 866-840-8745 x2. Carter Financial Solutions answers pre-qualifying questions every day.
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