When to Talk to Your Mortgage Pro

	Are you looking for a mortgage loan? We will be glad to help! Give us a call at 303-523-7119. Ready to begin? Apply Here.

It is helpful to consult with your mortgage professional early — even before you have started to consider neighborhoods. Why? If you don't yet know how much home you need to qualify for, what can we do for you?

Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can afford, and the loan amount you will qualify for. The process outlines your finances - your debts, income, career, and down payment money, among other things. It's short and to the point; We keep the paperwork to a minimum.

After you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that documents the fact that we are helping you to find the right loan to meet your financial needs and that we are confident you will qualify for a mortgage for a certain amount.

Buying Clout

When you find a house that is best for you, and you want to put together an offer, being pre-qualified for a mortgage will do several things. The first is that you'll be sure what you can afford when putting together your offer. Of greater importance to the existing home owner, your being pre-qualified is like your having entered their front door with a bag full of cash ready to purchase their house! They will not need to worry that that they are wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and the size of loan you can qualify for. During this process, we look at your ability to borrow - looking at your job, available money for down payment, existing debt, income, and other circumstances. We will require a minimum amount of paperwork, with a quick process.

Face to Face

You can certainly use the calculators on our site to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with us. We can work toward your pre-qualification letter. Next, we can consider your loan choices and be sure you have chosen the best one. We're eager to meet with you: call us at 303-523-7119.

Have questions about pre-qualifying? Call us at 303-523-7119. We answer pre-qualification questions every day.