Why it's Important to Pre-Qualify

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It can be important to visit with a mortgage loan pro first, even if you haven't settled on what sort of home you hope to find. Why? Perhaps it's hard to fathom the ways in which we could help even before you begin to negotiate.

We Will Help You Pre-Qualify

We will help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We accomplish this by reviewing your debts and income, your employment and housing circumstances, your available funds for a down payment, required reserves, and some other things. We require a minimum amount of paperwork, with a short,basic process.

Once you qualify, we present to you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that says that we are working with you to find the right mortgage loan program to meet your financial needs and that we are confident you will qualify for a loan for a certain amount.

Buying Power

With your pre-qualification letter, several advantages fall at your feet when you find the home you want to make an offer on. First, it lets you know the amount that you can offer. Being pre-qualified will also make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They need not be concerned that they are wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You have the capability to back your offer up.

We can help you pre-qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. During the process, we look at your capacity to borrow - analyzing your earning status, available money for down payment, debts, income, and other circumstances. We as for a minimum amount of paperwork, with a quick process.

One-on-One

You can always use the mortgage calculators available on this website to calculate the size mortgage you can afford - but it's also important to talk with one of our mortgage professionals. That way, we will be able to help you get your pre-qualification letter. Then, we can make sure we have the ideal mortgage program for your situation. Contact us at (512) 291-6100 to get started.

Have questions about pre-qualifying? Call us at (512) 291-6100. We answer pre-qualification questions every day.

Basic Pre-Approval

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