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Even if you have not picked out homes to view yet, it can be important to visit with your mortgage pro first. Why? It may be hard to fathom the ways in which we could help even before you start to calculate your offer.
I will help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. I achieve this by analyzing your income and debts, your employment and housing situations, your available funds for down payment, required reserves, and some other things. I require a minimum amount of paperwork, with a quick process.
When you qualify, I'll present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which states that I am partnering with you to find the ideal loan to fit your financial needs and that I am confident you will qualify for a mortgage loan for a certain amount.
A number of advantages open to you after you have found your new house, and have pre-qualification power. The first is that you will be sure what you will be able to afford when calculating your offer. Of greater importance to the seller, your pre-qualification is like your having entered their house with a bag full of cash ready to make the deal! They won't need to be concerned they are wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your buying power.
I help with your pre-qualification
When I pre-qualify you, I help you determine how much of a monthly payment you can fit in your budget, and how much you can qualify for. I do this by reviewing your income and debts, your work and residence circumstances, your funds available for down payment, required reserves, and some other things. I will require a minimum amount of paperwork, and avoid a lengthy process.
One on one
You can always use the mortgage calculators on my website to calculate the size mortgage you will be able to afford - but it's also essential to meet with me. That way, I will help you get your pre-qualification letter. Next, I can study your mortgage options to make sure you have found the best one. Let me get you started: Contact me at 612.816.1511.