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It's helpful to see a mortgage loan pro first, even if you haven't decided what sort of house you hope to find. What for? How can we help if you haven't negotiated an amount, and don't know yet how much you want to borrow?
We Will Help You Pre-Qualify
We can help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. This process outlines your current financial situation - your debt, income, career, and cash available for down payment, among other things. It's quick and basic; We take pride in keeping the paperwork light.
We will award you a Pre-Qualification Letter after you qualify, that documents that we're confident you'll qualify for a specific amount of mortgage dollars.
Various advantages open to you when you have found your dream house, and have achieved pre-qualification power. First, you have some general numbers in mind, as the total you can borrow. Having pre-qualification will also make your offer look even better to the home seller, like you were bringing them a suitcase of cash! They need not be concerned that they have been wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the capability to back up your offer.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and how much we of a loan you can qualify for. In the process, we look at your capacity to borrow - analyzing your employment, available money for down payment, debts, income, and other circumstances. It's short and to the point; and we keep the paperwork to a minimum.
You can certainly use the calculators on our site to calculate how much mortgage you will be able to afford - but it's also important to talk with us. We can walk you through your pre-qualification letter. For another thing, we could locate a different mortgage option that is a better fit for you. We're eager to meet with you: call us at (760) 337-8100.