When to Speak to a Mortgage Pro

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Even if you have not so much as picked out homes to visit yet, it is advantageous to contact your mortgage pro early. What for? What can we do for you if you haven't made your offer, and do not know yet how much you need to borrow?

Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can afford, and the loan amount you will qualify for. This process leads you through your financial situation - your debt, income, employment, and down payment money, among other things. It's quick and to the point; We keep the paperwork light.

At the point you are considered eligible, we prove our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

Once you find the house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do a couple of things. The first is that you can be sure what you can afford when determining your offer. Having pre-qualification will also make your offer more attractive to the home seller, as if you were bringing them a bag full of cash! They won't need to be concerned that they're wasting their time if you don't be able to qualify for a high enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not be something for them to lose sleep over. You have the ability to back up your offer.

We help with your pre-qualification

We can help you calculate how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. The process outlines your finances - your debt, income, employment, down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

While you are able to use our tools to calculate mortgage variables on our site, it will be a good idea to meet with us. That way, we can help you get your pre-qualification letter. Then, we will make sure we have the right mortgage loan program for your situation. We are eager to meet with you: call 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.