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It is important to consult your mortgage loan professional as soon as possible — even before you've started to research neighborhoods. What for? Perhaps it is hard to fathom how we can help even before you begin to negotiate.
We Can Help You Pre-Qualify
Our mortgage professionals will help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. During the process, we calculate your borrowing potential - analyzing your earning status, money available for down payment, existing debt, income, and other areas. We will require a minimum amount of paperwork, with a quick process.
After you are considered eligible, we prove our confidence in your potential to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
A number of advantages open to you after you find your next house, and have achieved pre-qualification. First of all, you have some concrete numbers in mind, as the total you will qualify for on your loan.
Even more important to the existing owner, your pre-qualification letter gives them certainty - as if you'd come into their house with a bag of cash to make the offer! They will not have to be concerned that they have been wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the ability to back your offer up.
We will help you pre-qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We accomplish this by considering your debts and income, your work and housing circumstances, your funds available for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.
Face to Face
You can always use the mortgage calculators available on this 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. For one thing, you'll need a Pre-Qualification Letter! Next, we can consider your mortgage loan choices and be sure you have selected the best one. We are eager to hear from you: call us at (209) 357-7000.
Have questions about pre-qualifying? Call us at (209) 357-7000. American Pacific Mortgage answers pre-qualifying questions every day.