When to Talk to Your Mortgage Professional
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It is valuable to consult your mortgage loan professional as soon as possible — even before you've begun narrowing down neighborhoods. What for? Maybe it's hard to fathom how we could help even before you begin to calculate your offer.
We Will 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. During this process, we look at your borrowing power - looking at your job, money available for down payment, debts, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.
After you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Armed with your pre-qualification letter, some advantages fall at your feet when you locate the home you want to put together an offer on. The first is that you can know what you'll be able to afford when calculating the offer.
Having pre-qualification will also make your offer more attractive to the home seller, as if you were bringing them a suitcase of cash! They need not worry that they're wasting their time if you can't be able to qualify for a big enough mortgage loan. The seller of the home won't worry 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 be something for them to worry about. You'll have the sway of a buyer ready to make the deal on the spot!
We can help you pre-qualify
Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. The process takes you through your finances - your debts, income, job, down payment money, among other things. We require a minimum amount of paperwork, with a quick process.
One on one
You can always use the mortgage calculators here on this site to calculate the size mortgage you can afford - but it's also valuable to talk with one of our mortgage professionals. We can work toward your pre-qualification letter. Next, we can study your mortgage loan choices and be sure you are in the best one. We're eager to meet with you: contact us at (405) 822-1957.
Have questions about pre-qualifying? Call us at (405) 822-1957. We answer pre-qualification questions every day.