When to Talk to a Mortgage Professional

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It is valuable to consult with your mortgage loan professional as soon as possible — even before you've started to consider neighborhoods. What for? How can we help before you have made an offer, and don't know yet how much you want to borrow?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and how much we of a loan you can qualify for. We can achieve this by considering your income and debts, your employment and housing situations, the available funds for a down payment, required reserves, and other financial considerations. It's short and basic; We take pride in keeping the paperwork light.

Once you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that documents the fact that we are helping you to find the right loan program to meet your situation and that we are confident you'll qualify for a loan for a specific amount.

Buying Power

With your pre-qualification letter, some advantages are yours when you locate the house you want to make an offer for. First, it helps you know the amount that you're able to offer. Even more important to the seller of the home, your pre-qualification letter gives them confidence - as if you'd arrived at their house with a bag of cash to make the offer! They won't have to worry that they're wasting their time if you don't have the ability 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 won't be something for them to fret over. They have a virtual guarantee to trust your buying power.

We will help you with your pre-qualification

When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and the size of loan you will qualify for. We accomplish this by reviewing your income and debts, your employment and housing circumstances, the funds available for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can certainly use the mortgage calculators on our site to get an idea of how much mortgage you will be able to afford - but it's also important to meet with one of our mortgage professionals. We can begin getting your pre-qualification letter. Next, we can study your mortgage options and make sure you have found the right one. We're eager to hear from you: call us at 877-210-6899.

Have questions about pre-qualifying? Call us at 877-210-6899. Dove Lending Group, Inc. answers pre-qualifying questions every day.