Should you talk to a mortgage professional before house hunting?

Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see The Mortgage PRO! first. Why? What can our "Mortgage Planners" and "Trusted Advisors" do for you if you haven't negotiated a price, and don't know yet how much you want to borrow?

When our "Mortgage Planners" pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much The Mortgage PRO! can loan you. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other very important things that are involved in your total financial planning. It's short and to the point, and we keep the paperwork to a minimum!

Once you qualify, The Mortgage PRO! will give you what's called a "Pre-Qualification Letter" (your real estate agent might call it a "pre-qual"), which says that we are working with you and have found the best loan to meet your needs so that you and your agent stand strong and confident and that seller knows that you have The Mortgage PRO! backing you up. 

When you find a house that catches your eye, and you decide to make an offer, The Mortgage PRO! will assure that you are pre-approved and backed up by a "NOLA (Notice of Loan Approval)." Being pre-approved for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-approved gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-approved is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never qualify for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now! The Mortgage PRO! will back you up and will be able to find a different mortgage program that fits your needs better. We are approved by over 200 national and local lenders and investors. The Mortgage PRO! has operated with knowledge, experience, integrity and service since 1992 and is well positioned to serve the needs of our dynamic client base.

You can always use the calculators available on our site to get an idea of how much mortgage you can afford -- but it's important to meet with a "Mortgage Planner" and "Trusted Advisor" from The Mortgage PRO! Notice in the left margin a link called "Mortgage Calculators." You can use these very powerful calculators to produce scenarios of your choice then print out the report and email them to yourself or whom ever you choose.

Contact The Mortgage PRO! today! Click on any one of the 4 questions in the right hand margin if you have any questions or just go to the Loan Application button in the header above and fill out a 1003 high security encrypted application. Your private information is protected by Federal Law.