When to Speak to a Mortgage Professional

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It is important to bring in your mortgage loan professional early — even before you've started to consider neighborhoods. What for? It might be difficult to fathom the ways in which we can help even before you start to negotiate.

We Will Help You Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through pre-qualifying. We accomplish this by considering your income and debts, your employment and housing circumstances, your funds available for down payment, required reserves, and some other things. It's quick and basic; We keep the paperwork to a minimum.

We'll give you a Pre-Qualification Letter once you qualify, that says that we're confident you will qualify for a specific amount of mortgage dollars.

Power in the Pre-Qual

Once you find a house that is right for you, and you decide to put together an offer, being pre-qualified for a loan will do several things. First, you have some general numbers in mind, as the amount you can borrow. More important to the current home owner, your pre-qualification is like your having walked into their front door with a suitcase full of money ready to make the deal! They need not wonder if that they are wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. You have the capability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you figure out the amount you can afford in monthly payments you can fit in your budget, and the loan amount you can qualify for. This process takes you through your financial situation - your debt, income, employment, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

One on one

It's important for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculators on our site. That way, we will help you get your pre-qualification letter. Then, we will make sure we have selected the ideal mortgage loan program for your situation. We are eager to meet with you: contact us at (612) 240-9922.

Have questions about pre-qualifying? Call us at (612) 240-9922. VALoansMN.com answers pre-qualifying questions every day.