When to Talk to Your Mortgage Pro About Pre-Qualification

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It is important to bring in your mortgage loan professional as soon as possible — even before you have started researching neighborhoods. Why? It may be difficult to understand how we could help even before you begin to calculate your offer.

We Can Help You Pre-Qualify

We can help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we explore your borrowing potential - reviewing your job, money available for down payment, existing debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.

After you are determined to be eligible, we prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

With your pre-qualification letter, several advantages fall at your feet at the point you locate the house you want to make an offer for. The first is that you'll know the amount you will be able to afford when calculating your offer. More important to the current home owner, your being pre-qualified is like your having entered their house with a bag full of money to make the deal! They will not need to wonder if they have been wasting their time if you can't have the ability to qualify for a big 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 won't cause them concern. You have the sway of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We can accomplish this by reviewing your debts and income, your employment and residence circumstances, your available funds for a down payment, required reserves, and other considerations. It's quick and basic; and we keep the paperwork to a minimum.

One-on-One

It is vital to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculators on this site. For one thing, you'll want a Pre-Qualification Letter! For another thing, we could be able to locate a different mortgage program that fits your needs better. Contact us at 303-471-4445 to get started.

Have questions about pre-qualifying? Call us at 303-471-4445. Colorado Home Mortgages, Inc. answers pre-qualifying questions every day.