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What Is A Mortgage PRE-QUALIFICATION
Mortgage prequalification is an informal evaluation by a qualified mortgage professional of your creditworthiness and how much of a home you can afford to buy. Prequalification is an indication of whether you meet the minimum requirements for a home loan and how big that loan may be.
Prequalification is a very important step for those who are not sure if they’re financially ready for homeownership or if they would like to give their real estate professional more ammunition when shopping for a home.
If you’re confident in your finances or have already been pre-qualified, you might want to get pre-approved instead, which is a complete underwriting of your loan package in advance showing the homeowner that you are qualified and ready to make a purchase.
To calculate how much mortgage you’ll be able to prequalify for, we take into account your credit profile, annual income, and expected loan term and interest rate, as well as your monthly debt payments and potential home-related expenses.
What is a Mortgage PRE-APPROVAL?
A mortgage pre-approval is a letter from a lender that indicates how much of a home loan you can be qualified for, this is more than a pre-qualification letter and is typically not necessary when first searching for a home. It is however a stronger indication to a home seller that you are ready and able to purchase a home at a specified price.
A mortgage pre-approval letter is issued after the lender has evaluated your financial history. This includes pulling your credit report and FICO score. With a mortgage pre-approval letter , you can find a home that you can afford while at the same time showing the seller that you are a serious buyer. This makes pricing negotiations easier.
A mortgage preapproval letter can put you ahead of other buyers that may be interested in the same home as you. Your offer will be taken more seriously than others.
The information for the underwriting of a pre-approval is the same as the documentation that you will be submitting for your loan. You can start your application here.
At CambridgeHomeLoan.com our Loan Officers are qualified to provide you with a qualification that you can use to start shopping for your home loan. Once you Apply Here! you will receive an email to supply your last two years of W2s or tax returns, last 2 months bank statements and last 30 day paystubs. Once received a loan officer will call to discuss which loan programs you qualify for.
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