Why Pre-Qualify?

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It's important to bring in your mortgage loan professional early — even before you've begun researching neighborhoods. What for? Perhaps it's difficult to fathom the way we could help even before you start to negotiate.

Pre-Qualify

We will help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. We do this by considering your income and debts, your work and residence circumstances, your funds available for down payment, required reserves, and other financial considerations. It's short and to the point; We keep the paperwork to a minimum.

We'll award you a Pre-Qualification Letter once you qualify, that says that we are confident you will qualify for up to a specific amount of mortgage loan dollars.

Power in the Pre-Qual

Holding your pre-qualification letter, a number of advantages are yours once you find the home you want to make an offer on. First, you have some definite numbers in mind, as the amount you will qualify for on your mortgage loan. Even more important to the seller, your pre-qualification letter gives them certainty - as if you'd entered their house with a suitcase of cash to make the offer! They won't need to worry that they are wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the ability to back up your offer.

We can help you pre-qualify

We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. This process outlines your current financial situation - your debt, income, career, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

One on one

You can always use the mortgage calculators here on this site to calculate the size mortgage you'll be able to afford - but it's also valuable to meet with us. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have the best mortgage program for your situation. We're waiting to hear from you: call us at 8102292820.

Have questions about pre-qualifying? Call us at 8102292820. ADVISORY MORTGAGE answers pre-qualifying questions every day.