Before you begin to shop for a new home, you should set up a time to meet with our staff so we can determine how much of a home you can comfortably afford. This will put you in a stronger position as a buyer and help relieve the stress commonly associated with buying a home. Additionally, before a home is taken off the market, all realtors and sellers want to know that the buyer is qualified to buy their home.
To get pre-qualified for a loan, you will complete a mortgage application and provide us with various information verifying your employment, assets and financial status such as W-2 forms, bank records and credit card statements. We’ll review your mortgage options, assess your goals for a down payment and get an idea of different loan programs that would work for you. We then will seek loan approval based upon the information you submitted. Once the application is approved, you can have further confidence that you are qualified for the loan you applied for. We will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.
It is important to understand that a pre-qualification letter is just an estimate of what you are eligible to borrow, not a commitment to lend.
Getting pre-qualified for a loan gives you a competitive advantage when the time comes to bid on a home because you have been reviewed for a loan for a specified amount.
Our goal at Sharp Mortgages, Inc. is to offer you solid advice you can count on when you go home shopping! Follow our Sharp Buyer Pre-qualification advice and go home shopping stress free!
It can be valuable to see a mortgage loan pro early, even before you've decided what sort of house you hope to find. What for? It might be difficult to understand the ways we can help even before you start to negotiate.
We Can Help You Pre-Qualify
Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We can achieve this by reviewing your income and debts, your employment and residence circumstances, your funds available for a down payment, required reserves, and some other things. It's quick and to the point; We keep the paperwork light.
Once you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which states that we are helping you to find the best loan program to fit your situation and that we're confident you will qualify for a mortgage loan for up to a certain amount.
Power in the Pre-Qual
When you locate a house that is ideal for you, and you want to put together an offer, being pre-qualified for a mortgage will do a couple of things. First of all, you have some definite numbers in mind, as the total you will be able to borrow. Even more important to the seller of the house, your pre-qualification letter gives them confidence - as if you'd arrived at their house with a big box of cash to make the offer! They will not need to worry that that they're wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to worry about. You have the clout of a buyer ready to make the purchase on the spot!
We help with your pre-qualification
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. In this process, we determine your ability to borrow - analyzing your employment, available money for down payment, debt, income, and other circumstances. It's short and basic; and we take pride in keeping the paperwork to a minimum.
One on one
While you are able to benefit from our tools to calculate mortgage variables on this website, it's a good idea to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your mortgage program options to make sure you are in the best one. Contact us at (904) 997-1093 to get your pre-qualification process started.
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 155163
www.nmlsconsumeraccess.org
8785 Perimeter Park Blvd.
Jacksonville, Florida 32216
Phone: (904) 997-1093
info@sharpmortgage.com
Sharp Mortgages, Inc. strives to ensure that its services are accessible to people with disabilities. Sharp Mortgages, Inc. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Sharp Mortgages, Inc. makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows sharpmortgages.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).
The Sharp Mortgages, Inc. accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.
Sharp Mortgages, Inc. continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
Despite our efforts to make all pages and content on Sharp Mortgages, Inc. website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.
If you are experiencing difficulty with any content on Sharp Mortgages, Inc. website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.
If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: bill@sharpmortgages.com
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Sharp Mortgages, Inc. strives to ensure that its services are accessible to people with disabilities. Sharp Mortgages, Inc. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Sharp Mortgages, Inc. makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows sharpmortgages.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).
Sharp Mortgages, Inc. accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.
Sharp Mortgages, Inc. continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
Despite our efforts to make all pages and content on Sharp Mortgages, Inc. website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.
If you are experiencing difficulty with any content on Sharp Mortgages, Inc. website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.
If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: bill@sharpmortgages.com