Why it's Important to Pre-Qualify

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It's important to visit with a mortgage loan pro early, even before you have decided the sort of house you hope to find. Why? It might be difficult to understand the way we could help even before you begin to talk about prices and negotiations.

We Can Help You Pre-Qualify

We will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During the process, we calculate your borrowing power - reviewing your employment, available money for down payment, debt, income, and other circumstances. It's quick and to the point; We keep the paperwork light.

After you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which states that we are partnering with you to find the right mortgage to fit your needs and that we are confident you'll qualify for a mortgage up to a certain amount.

Power in the Pre-Qual

Armed with your pre-qualification letter, several advantages are yours at the point you find the house you want to put together an offer on. First, it lets you know how much you're able to offer. Even more important to the seller of the house, your pre-qualification status gives them confidence - as if you'd come into their house with a suitcase of cash to back up the offer! They will not have to be concerned they're wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't cause them concern. You'll have the clout of a buyer ready to make the purchase on the spot!

We help with your pre-qualification

We will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We achieve this by considering your debts and income, your employment and residence situations, your available funds for a down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork light.

One-on-One

You can always use the mortgage calculators 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. That way, we will be able to help you get your pre-qualification letter. Then, we'll make sure we have selected the right mortgage program for your situation. Contact us at 919-787-6080 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 919-787-6080. AccessOne Mortgage answers pre-qualifying questions every day.