When to Speak to a Mortgage Pro
Looking for a mortgage loan? We'll be glad to discuss our many mortgage solutions! Give us a call at 314-835-1195. Ready to begin? Apply Here.
Even if you've not so much as researched houses to visit yet, it's valuable to contact your mortgage loan professional first. What for? When you don't yet know how much home you want to qualify for, what can we do for you?
We will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. During the process, we determine your borrowing power - analyzing your earning status, money available for down payment, existing debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter once you qualify, that states that we are confident you will qualify for up to a specific amount of mortgage dollars.
Various advantages open to you once you find your next house, and have pre-qualification power. First, it lets you know how much you are able to offer.
More important to the existing home owner, your pre-qualification is like your having walked into their house with a suitcase full of money to make the deal! They need not worry that they have been wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to worry about. They have a virtual guarantee to trust your ability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We will do this by analyzing your debts and income, your work and residence situations, the funds available for down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, with a quick process.
One on one
You can certainly use the calculators here on our 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'll be able to help you get your pre-qualification letter. Next, we can review your loan options and make sure you are in the best one. Let us help you get started: Contact us at 314-835-1195.
Have questions about pre-qualifying? Call us at 314-835-1195. Alternative Mortgage Solutions, Inc. answers pre-qualifying questions every day.