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It's valuable to visit with a mortgage loan pro early, even before you've determined what sort of home you hope to find. Why? If you don't know yet how much home you want to qualify for, what can we do for you?
We Can Help You Pre-Qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. The process outlines your finances - your debts, income, career, and down payment money, among other things. It's short and basic; We keep the paperwork to a minimum.
After you qualify, we present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are helping you to find the ideal loan program to fit your financial needs and that we're confident you will qualify for a loan for a certain amount.
Power in the Pre-Qual
Some benefits open to you once you've found your new house, and have pre-qualification. The first is that you will be sure what you'll be able to afford when calculating the offer.
Even more important to the existing owner, your pre-qualification gives them confidence - as if you'd arrived at their home with a suitcase of cash to back up the offer! They won't need to wonder if that they have been wasting their time if you won't be able to be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't cause them concern. You have the ability to back up your offer.
We help with your pre-qualification
We can help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. We will accomplish this by reviewing your income and debts, your work and residence circumstances, the available funds for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.
Face to Face
While you can try our mortgage calculators on our website, it's a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you'll want a Pre-Qualification Letter! Next, we can consider your mortgage program options to make sure you are in the best one. Let us help you get started: Call us at (208) 726-5466.
Have questions about pre-qualifying? Call us at (208) 726-5466. We answer pre-qualification questions every day.