When to Speak to a Mortgage Professional

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It's valuable to consult your mortgage loan professional as soon as possible — even before you've started to research neighborhoods. What for? It might be difficult to fathom the ways we can help even before you start to negotiate.

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 the loan amount you can qualify for. We will do this by analyzing your debts and income, your work and housing circumstances, your funds available for a down payment, required reserves, and other financial considerations. It is a quick, thorough process with minimal risks for papercuts.

Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which states that we are partnering with you to find the right mortgage to meet your situation and that we are confident you'll qualify for a mortgage for a certain amount.

Pre-Qual Power

When you locate the house that is ideal for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do a number of things. First, it helps you know the amount that you're able to offer. Of greater importance to the home seller, your pre-qualification is like your having walked into their front door with a suitcase full of cash ready to make the deal! They need not worry that that they are wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

We can help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. The process leads you through your financial situation - your debts, income, employment, cash available for down payment, among other things. It's quick and basic; and we keep the paperwork light.

One-on-One

You can certainly use the calculators on this site to calculate how much mortgage you'll be able to afford - but it's also important to meet with us. We can walk you through your pre-qualification letter. Next, we can consider your mortgage program options to be sure you are in the best one. Contact us at 2148657442 to get started.

Have questions about pre-qualifying? Call us at 2148657442. American Mortgage Advisers, Inc answers pre-qualifying questions every day.