The Importance of Pre-Qualification

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It is valuable to see a mortgage loan pro early, even before you have determined the sort of home you hope to find. Why? What can we do for you if you haven't negotiated a purchase amount, and do not yet know the amount you want to borrow?


We will help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. We accomplish this by reviewing your debts and income, your employment and housing situations, the funds available for down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.

We award you a Pre-Qualification Letter once you qualify, that documents that we're confident you'll qualify for a specific amount of mortgage dollars.

Pre-Qualification Power

When you locate the house that catches your eye, and you want to make an offer, being pre-qualified for a loan will do a couple of things. First of all, you have some general numbers in mind, as the total you will qualify for on your mortgage loan. Having pre-qualification will also make your offer more attractive to the seller, like you were bringing them a bag full of cash! They need not be concerned they're wasting their time if you do not be able 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 your needed mortgage loan amount won't cause them concern. You have the capability to back your offer up.

We can help you pre-qualify

We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We can do this by analyzing your income and debts, your employment and housing situations, your funds available for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

One on one

It's important for you to sit down and meet with us, even though you are free to also try the helpful mortgage loan calculator tools on our site. We can work toward your pre-qualification letter. For another thing, we may locate a different mortgage option that is a better fit for you. Contact us at 8668408745 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 8668408745. Carter Financial Solutions answers pre-qualifying questions every day.

Basic Pre-Approval

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Carter Financial Solutions

2291 W. March Ln Suite A100
Stockton, CA 95207