Are you looking for a mortgage? We'll be glad to talk about our mortgage offerings! Call us at (813) 200-7931. Ready to get started? Apply Here.
It can be valuable to visit with a mortgage professional first, even before you have decided what type of house to search for. Why? If you do not yet know how much home you need to qualify for, what can we do for you?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the loan amount you can qualify for. We accomplish this by analyzing your debts and income, your employment and residence situations, your funds available for a down payment, required reserves, and some other things. It's short and basic; We take pride in keeping the paperwork to a minimum.
When you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that documents the fact that we are helping you to find the best mortgage loan program to meet your financial needs and that we're confident you'll qualify for a mortgage loan for a specific amount.
When you find the house that meets your needs, and you decide to make an offer, being pre-qualified for a mortgage loan will do a number of things. First, you have some definite numbers in mind, as the total you will qualify for with your mortgage loan.
Even more important to the seller of the house, your pre-qualification gives them certainty - as if you'd entered their house with a suitcase of cash to back up the offer! They will not have to worry that that they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller 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 be something for them to be concerned about. You'll have the influence of a buyer ready to make the purchase on the spot!
We will help you pre-qualify
When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you will qualify for. We do this by analyzing your debts and income, your employment and housing circumstances, your available funds for down payment, required reserves, and other considerations. It's quick and basic; and we keep the paperwork light.
It's vital for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculator tools on this website. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have the ideal mortgage loan program for you. Contact us at (813) 200-7931 to get started.
Have questions about pre-qualifying? Call us at (813) 200-7931. We answer pre-qualification questions every day.