The Importance of Pre-Qualifying

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It's important to visit with a mortgage loan pro early, even before you have decided the kind of home to search for. What for? When you do not know yet how much home you want to qualify for, how could we help?

We Can Help You Pre-Qualify

Our mortgage professionals can help you calculate the loan amount you can qualify for, and the monthly payment amount you are able to afford by helping you pre-qualify. We achieve this by analyzing your debts and income, your work and housing circumstances, the funds available for a down payment, required reserves, and some other things. It's short and to the point; We keep the paperwork light.

After you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are helping you to find the best loan program to fit your situation and that we're confident you'll qualify for a loan up to a certain amount.

Power in the Pre-Qual

Holding your pre-qualification letter, a number of advantages fall at your feet when you locate the home you want to put together an offer on. First of all, you have some concrete numbers in mind, as the total you can borrow. Even more important to the seller, your pre-qualification gives them certainty - as if you had arrived at their home with a bag of cash to make the offer! They won't need to wonder if they are wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your loan. Your qualifying for the necessary loan amount will not be something for them to fret over. You can have the clout of a buyer ready to make the purchase right now!

We help with your pre-qualification.

When we pre-qualify you, we help you decide the amount you can afford in monthly mortgage payments you can afford, and the loan amount you can qualify for. We can do this by considering your income and debts, your employment and residence situations, the funds available for a down payment, required reserves, and other considerations. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

While you are encouraged to try our tools to calculate mortgage variables on our site, it will be a good idea to sit down and talk with us. For one thing, you'll want a Pre-Qualification Letter! Then, we can make sure we have found the ideal mortgage loan program for you. HERN CAPITAL is waiting to hear from you: call us at (626)918-4592.

Have questions about pre-qualifying? Call HRN CAPITAL LLC. at (626)918-4592. It's our job to answer pre-qualification questions, so we're happy to help!