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It's important to bring in your mortgage loan professional as soon as possible — even before you've started to research neighborhoods. What for? Maybe it is difficult to understand the ways in which we can help even before you start to negotiate.
We will help you find out 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. In this process, we explore your borrowing potential - analyzing your job, available money for down payment, existing debt, income, and other circumstances. It's quick and to the point; We take pride in keeping the paperwork to a minimum.
When you are considered eligible, we document our confidence in your capacity to qualify for a loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Holding your pre-qualification letter, several advantages fall at your feet at the point you find the home you want to make an offer for. The first is that you'll know what you will be able to afford when determining the offer.
Even more important to the seller of the house, your pre-qualification letter gives them confidence - as if you had come to their house with a big box of cash to back up the offer! They won't have to wonder if that they're wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.
We help with your pre-qualification
We can help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. The process outlines your finances - your debts, income, employment, cash available for down payment, among other things. We will ask for a minimum amount of paperwork, with a quick process.
One on one
You can always use the mortgage calculators on our site to get an idea of how much mortgage you can afford - but it's also essential to meet with one of our mortgage professionals. We can work toward your pre-qualification letter. Next, we can study your mortgage options and make sure you have chosen the best one. Contact us at (805) 496-7500 to get started.
Have questions about pre-qualifying? Call us at (805) 496-7500. Strategic Home Loans, Inc. answers pre-qualifying questions every day.