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Getting Qualified

When Should You Speak With a Mortgage Professional?

Right Away!!! It's helpful to consult with your mortgage loan professional as soon as possible —By speaking with a mortgage professional, you acquire knowledge and additional information that will be essential when making a successful offer on your future home. When you go to your Realtor® with a Pre-Qualification, you are in a better negotiating position and also have the criteria your Realtor® will need to narrow your search for your idea of the perfect property.

We Help You Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly payments you can afford, and how much you can qualify for. In this process, we look at your borrowing capacity - your earning status, money available for down payment, existing debt, income, and other areas. We ask for a minimum amount of paperwork, and avoid a lengthy process.

Once qualified, you will be awarded a Pre-Qualification letter documenting the program and amount of loan you have qualified for that will include a list of documents that will be required to complete your Mortgage application.

Power In the Pre-Qual

Being pre-qualified for a mortgage loan will do several things. The first is that you will be sure what you will be able to afford when determining the offer. Being pre-qualified will also make your offer look even stronger to the seller, as if you were bringing them a suitcase of cash! They will not have to wonder if you will qualify to purchase the property, which will eliminate their concerns that you may not qualify for the required loan amount to complete the purchase transaction. You have the clout of a buyer ready to make the purchase right now!

Let Us Be Your Guide

Our mortgage professionals will help you determine how much of a loan and monthly mortgage payment amount you can afford. We do this by evaluating your current income, debt, housing history, reserves and assets. We will also discuss what down payment will be required and the funds you have available for purchase and answer any questions or concerns you may have about the process. We walk with you every step of the way in your journey to home ownership.

Convenient, Prompt Service

You can always use the calculators on this site to get an idea of how much mortgage you'll be able to afford - but it's also valuable to talk with us. By speaking with us, you are provided with the mortgage options available that fit your individual needs. Contacting us is easy! Call one of our experienced mortgage Professionals or Request a Professional contact you below.

 

Contact Information

 

© Residential Mortgage Corporation

 

NMLS ID #56452  |  States Licensed

2577 Ravenhill Drive
Fayetteville, NC  28303
Direct:  (910) 483-****
Fax:  (910) 483-****

 

 

 

 

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