It's helpful to consult your mortgage professional early — even before you have started to consider neighborhoods. What for? Perhaps it is hard to understand how we could help even before you begin to talk about prices and negotiations.
We Will Help You Pre-Qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In this process, we calculate your borrowing capacity - reviewing your earning status, available money for down payment, debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.
Once you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are working with you to find the best mortgage to fit your needs and that we're confident you will qualify for a mortgage for a specific amount.
Buying Clout
Holding your pre-qualification letter, several advantages fall at your feet at the point you locate the house you want to put an offer on. First, it lets you know how much you're able to offer. Having been pre-qualified by a lender will also make your offer more attractive to the home seller (as if you were bringing them a suitcase full of cash). They need not worry about taking their home off the market for you, know that your qualify for the price you are offering.
Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford. This process reviews your finances - your debt, income, employment, down payment money, credit rating, etc.
Be sure to visit our "Are you Pre-Approved" page for more about "Buying Clout"
Face to Face
Even though you are free to use the helpful mortgage loan calculators on our website, we feel that it is important for you to meet to meet with us. We want to get to know you and what your needs are. You will want to discuss and choose the mortgage loan option that is the best fit for you. And, as a result, we will be in a position to provide you and your Realtor a Pre-Qualification letter designed specifically for you.
Shopping for a mortgage loan in the Central Valley? Have questions or to get started with the Pre-Qualification? We can help!
Give us a call at (209) 470-7161 or complete the information below.
