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It can be valuable to visit with a mortgage loan pro early, even before you've determined the kind of home you hope to find. Why? How can we help you if you have not made an offer, and do not yet know how much you need to borrow?
When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and how much we of a loan you can qualify for. The process takes you through your current financial situation - your debt, income, employment, and cash available for down payment, among other things. It's quick and basic; We keep the paperwork light.
We'll award you a Pre-Qualification Letter once you qualify, which states that we're confident you will qualify for a certain amount of mortgage dollars.
With your pre-qualification letter, a number of advantages fall at your feet once you locate the house you want to put together an offer on. First of all, you have some concrete numbers in mind, as the amount you will qualify for with your loan.
Your pre-qualification also will make your offer look even better to the seller, like you were bringing them a suitcase full of cash! They will not need to wonder if they are wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can trust 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 can have the clout of a buyer ready to make the purchase right now!
We will help you pre-qualify
Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your finances - your debt, income, job, cash available for down payment, among other things. We will require a minimum amount of paperwork, with a short, basic process.
One on one
It's important for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculator tools on this site. That way, we can help you get your pre-qualification letter. Next, we can study your mortgage loan choices and be sure you have selected the right one. We are eager to meet with you: call us at (434) 975-5626.
Have questions about pre-qualifying? Call us at (434) 975-5626. Crown Mortgage answers pre-qualifying questions every day.
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