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It's helpful to consult your mortgage loan professional as soon as possible — even before you have begun narrowing down neighborhoods. Why? When you don't yet know how much house you want to qualify for, what can we do for you?
When we pre-qualify you, we help you determine the amount in mortgage payments you can afford, and the loan amount you will qualify for. This process walks you through your current financial situation - your debts, income, job, and down payment money, among other things. It's short and basic; We take pride in keeping the paperwork to a minimum.
When you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are working with you to find the ideal mortgage loan to fit your financial needs and that we are confident you will qualify for a mortgage loan for a specific amount.
A number of beneifits open to you when you've found your new house, and have achieved pre-qualification power. The first is that you will be sure what you'll be able to afford when putting together your offer.
Being pre-qualified also will make your offer look even better to the seller, like you were bringing them a bag full of cash! They won't need to wonder if that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not be something for them to fret over. You will have the influence of a buyer ready to make the deal right now!
We will help you with your pre-qualification
We will help determine how much of a mortgage you can afford, and how much money you will be able to borrow, by taking you through the pre-qualification process. We can accomplish this by analyzing your income and debts, your employment and residence circumstances, the available funds for a down payment, required reserves, and some other things. We require a minimum amount of paperwork, with a quick process.
Face to Face
It is vital for you to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculator tools on our website. That way, we'll help you get your pre-qualification letter. For another thing, we may find a different mortgage loan option that fits your goals better. Let us help you get started: Call us at (732) 969-9300.
Have questions about pre-qualifying? Call us at (732) 969-9300. We answer pre-qualification questions every day.