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Even if you have not so much as picked out houses to visit yet, it's valuable to visit with your mortgage professional first. Why? It may be hard to understand the ways in which we could help even before you start to negotiate.
We Will Help You Pre-Qualify
We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process outlines your finances - your debts, income, job, and down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter once you qualify, which says that we are confident you'll qualify for up to a certain amount of mortgage dollars.
Power in the Pre-Qual
Armed with your pre-qualification letter, a number of advantages fall at your feet once you find the house you want to put together an offer on. First, it lets you know the amount that you are able to offer.
Even more important to the seller, your pre-qualification gives them certainty - as if you had come to their house with a suitcase of cash to make the offer! They will not need to wonder if they have been wasting their time if you can't be able to qualify for a big enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't cause them concern. You'll have the influence of a buyer ready to make the deal on the spot!
We will help you pre-qualify
We can help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. During the process, we explore your borrowing capacity - analyzing your earning status, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
You can certainly use the mortgage calculators here on our website to get an idea of how much mortgage you'll be able to afford - but it's also valuable to meet with us. That way, we will be able to help you get your pre-qualification letter. Next, we can study your loan choices and make sure you have selected the best one. We're waiting to hear from you: contact us at 405-513-7700.
Have questions about pre-qualifying? Call us at 405-513-7700. It's our job to answer pre-qualification questions, so we're happy to help!