The Importance of Pre-Qualifying
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It can be helpful to see a mortgage professional first, even if you haven't settled on what type of home you hope to find. Why? It may be difficult to understand the way we could help even before you start to calculate your offer.
La Paz Mortgage can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. The process leads you through your financial situation - your debt, income, job, and down payment money, among other things. We require a minimum amount of paperwork, with a short,basic process.
La Paz Mortgage will award you a Pre-Qualification Letter after you qualify, that documents that we are confident you will qualify for up to a specific amount of mortgage loan dollars.
Power in the Pre-Qual
A number of benefits open to you once you have found your next house, and have pre-qualification power. The first is that you'll be sure what you'll be able to afford when calculating your offer. Even more important to the seller, your pre-qualification gives them confidence - as if you'd entered their home with a bag of cash to back up the offer! They will not need to wonder if that they're wasting their time if you will not have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.
We can help you pre-qualify
La Paz Mortgage can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. This process leads you through your financial situation - your debts, income, career, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.
It's important for you to sit down and talk with us, even though you are free to also utilize the helpful mortgage calculator tools on this website. For one thing, you'll want a Pre-Qualification Letter! Then, we will make sure we have the ideal mortgage loan program for your situation. Contact us at (949) 770-6067 to get started.