When to Talk to a Mortgage Professional About Pre-Qualification

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Even if you have not picked out homes to view yet, it's important to contact your mortgage pro first. Why? When you don't yet know how much home you need to qualify for, how could we help?

Pre-Qualify

We can help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. We can accomplish this by reviewing your income and debts, your work and residence circumstances, the available funds for a down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

We give you a Pre-Qualification Letter when you qualify, which documents that we are confident you'll qualify for up to a certain amount of mortgage dollars.

Pre-Qualification Power

After you find the house that catches your eye, and you want to make an offer, being pre-qualified for a loan will do a couple of things. First of all, you have some general numbers in mind, as the total you will qualify for with your mortgage. Being pre-qualified can also make your offer more attractive to the home seller, as if you were bringing them a suitcase full of cash! They won't need to worry that they're wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.

We will help you with your pre-qualification

When we pre-qualify you, we help you find out how much of a monthly payment you can afford, and the size of loan you can qualify for. We can do this by reviewing your income and debts, your employment and housing situations, the funds available for down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, with a short, basic process.

Face to Face

You can always use the calculators on this website to calculate how much mortgage you'll be able to afford - but it's also essential to talk with us. We can work toward your pre-qualification letter. Then, we will make sure we have found the right mortgage program for you. We're eager to meet with you: contact us at 918-748-4470/877-748-4470.

Have questions about pre-qualifying? Call us at 918-748-4470/877-748-4470. It's our job to answer pre-qualification questions, so we're happy to help!

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