In the market for a new mortgage loan? I would be thrilled to talk about your mortgage needs! Give me a call at (818)645-7035. Want to get started? Apply Here
It's helpful to visit with a mortgage loan pro first, even if you haven't settled on the sort of home you hope to find. What for? It may be difficult to fathom the ways we could help even before you begin to talk about prices and negotiations.
I Can Help You Pre-Qualify
When I pre-qualify you, we help you determine the amount in monthly mortgage payments you can afford, and how much we of a loan you will qualify for. The process outlines your current financial situation - your debt, income, career, and cash available for down payment, among other things. I will ask for a minimum amount of paperwork, with a short,basic process.
Once you qualify, I will give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which documents the fact that we are partnering with you to find the ideal loan program to meet your financial needs and that we are confident you will qualify for a mortgage loan for a certain amount.
Holding your pre-qualification letter, several advantages are yours when you locate the home you want to make an offer on. First, it helps you know how much you can offer.
Even more important to the seller of the home, your pre-qualification letter gives them certainty - as if you had come into their house with a suitcase of cash to make the offer! They won't have to worry that they are wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to fret over. You can have the influence of a buyer ready to make the purchase right now!
I will help you with your pre-qualification
When I pre-qualify you, I help you determine how much of a monthly mortgage payment you can fit in your budget, and the size of loan you can qualify for. The process takes you through your finances - your debts, income, career, down payment money, among other things. I will require a minimum amount of paperwork, and avoid a lengthy process.
Have questions about pre-qualifying? Call me at (818)645-7035. I answer pre-qualifying questions every day.