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Even if you've not researched houses to view yet, it's valuable to contact your mortgage pro early. What for? When you do not yet know how much home you want to qualify for, what could we help you with?
We can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We can accomplish this by reviewing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. It's short and basic; We keep the paperwork to a minimum.
At the point you are considered eligible, we document our confidence in your ability to qualify for a loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Once you find a house that is best for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know the amount that you can offer.
Even more important to the current owner, your pre-qualification status gives them confidence - as if you had come into their house with a suitcase of cash to make the offer! They will not need to wonder if that they're wasting their time if you don't be able to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. They have a virtual guarantee that they can trust your buying power.
We can help you pre-qualify
We will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In this process, we calculate your borrowing capacity - looking at your job, money available for down payment, existing debt, income, and other circumstances. It's short and basic; and we keep the paperwork light.
You can always use the mortgage calculators on this website to calculate the size mortgage you'll be able to afford - but it's also important to talk with us. We can walk you through your pre-qualification letter. Then, we can make sure we have the ideal mortgage loan program for your situation. We're waiting to meet with you: contact us at (808) 935-0678.
Have questions about pre-qualifying? Call us at (808) 935-0678. We answer pre-qualification questions every day.
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