Why Pre-Qualification is Important

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Even if you haven't researched homes to view yet, it can be advantageous to contact your mortgage loan professional first. Why? It might be difficult to understand the way we could help even before you begin to negotiate.

Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by taking you through the pre-qualification process. This process outlines your financial situation - your debts, income, employment, and cash available for down payment, among other things. We require a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we will prove our confidence in your capacity to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Buying Power

When you locate the house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. First, it lets you know the amount that you are able to offer. Your pre-qualification will also make your offer look even better to the seller, as if you were bringing them a bag full of cash! They won't need to wonder if that they have been wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't cause them concern. You can have the sway of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

When we pre-qualify you, we help you find out the amount you can afford in monthly mortgage payments you can afford, and the size of loan you can qualify for. In the process, we look at your borrowing capacity - reviewing your job, money available for down payment, debts, income, and other areas. We as for a minimum amount of paperwork, with a quick process.

One-on-One

It's vital for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculator tools on our site. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your mortgage choices and make sure you are in the right one. Contact us at 303-596-8672 to get started.

Have questions about pre-qualifying? Call us at 303-596-8672. Anita Martinez-Trumm answers pre-qualifying questions every day.