Why Pre-Qualification is Important

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Even if you have not narrowed down homes to view yet, it's advantageous to contact your mortgage pro early. What for? Perhaps it's hard to fathom how we could help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

We will help determine how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. In this process, we calculate your borrowing potential - looking at your employment, money available for down payment, debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.

When you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which says that we are partnering with you to find the best mortgage to meet your situation and that we're confident you will qualify for a loan for up to a certain amount.

Buying Power

Once you locate a house that catches your eye, and you want to put together an offer, being pre-qualified for a loan will do a number of things. First of all, you have some general numbers in mind, as the total you will qualify for with your mortgage loan. Being pre-qualified can also make your offer look even better to the seller, like you were bringing them a big box of cash! They will not need to worry that that they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. You have the ability to back up your offer.

We will help you pre-qualify

We can help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. In this process, we determine your borrowing capacity - reviewing your earning status, money available for down payment, debt, income, and other circumstances. It's short and to the point; and we keep the paperwork to a minimum.

Face to Face

It is important for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage calculators on this website. That way, we can help you get your pre-qualification letter. Then, we'll make sure we have the ideal mortgage loan program for your situation. Contact us at 404-702-2661 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 404-702-2661. Chattahoochee Residential Mortgage, LLC answers pre-qualifying questions every day.