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It is helpful to consult your mortgage loan professional as soon as possible — even before you have begun researching neighborhoods. Why? If you do not know yet how much house you need to qualify for, how can we help?
Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. In the process, we explore your capacity to borrow - reviewing your job, available money for down payment, debts, income, and other areas. We require a minimum amount of paperwork, with a short,basic process.
Once you are determined to be eligible, we document our confidence in your ability to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
After you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you'll be sure what you'll be able to afford when determining your offer.
Having pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a suitcase of cash! They will not need to be concerned they have been wasting their time if you can't be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. You have the capability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. The process walks you through your financial situation - your debt, income, employment, down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
One on one
While you can use our mortgage calculators on this site, it's a good idea to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! Then, we can make sure we have the ideal mortgage program for your situation. Let us help you get started: Contact us at 608-592-5600.
Have questions about pre-qualifying? Call us at 608-592-5600. It's our job to answer pre-qualification questions, so we're happy to help!