Why Pre-Qualification is Important

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It is helpful to see a mortgage professional first, even before you've determined what type of home to search for. Why? Perhaps it is difficult to fathom the ways in which we can help even before you begin to calculate your offer.

We Will 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. During this process, we calculate your capacity to borrow - reviewing your earning status, money available for down payment, debts, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

We award you a Pre-Qualification Letter after you qualify, that states that we're confident you will qualify for up to a specific amount of mortgage loan dollars.

Pre-Qualification Power

Armed with your pre-qualification letter, some advantages are yours at the point you find the house you want to make an offer on. First, you have some definite numbers in mind, as the amount you will qualify for on your loan. Being pre-qualified can also make your offer more attractive to the seller, as if you were bringing them a big box of cash! They need not worry that that they're wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to worry about. They have a virtual guarantee to trust your buying power.

We will help you pre-qualify

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. This process outlines your current financial situation - your debt, income, career, cash available for down payment, among other things. It's short and basic; and we keep the paperwork light.

One-on-One

You can certainly use the mortgage calculators here on this site to get an idea of how much mortgage you'll be able to afford - but it's also essential to meet with us. That way, we'll help you get your pre-qualification letter. For another thing, we could locate a different mortgage option that better fits your needs. We're eager to meet with you: contact us at 8088830740.

Have questions about pre-qualifying? Call us at 8088830740. Spooner Financial Services, Inc. answers pre-qualifying questions every day.