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 your mortgage
professional first. Why? What can we do for you if you
haven't negotiated a price, and don't know yet how much you
want to borrow?
Pre-Qualification, after one short call or email we
help you determine how much of a monthly mortgage payment
you can afford, and how much we can loan you. We consider
your income and debts, your employment and residence
situations, your available funds for downpayment and
required reserves, and some other things.
Pre-Qualification Letter (your real estate agent
might call it a "pre-qual"), which says we're confident
you'll qualify for a loan for a certain amount.
Why Pre-Qual? When you find a house that catches your
eye, and you decide to make an offer, it lets you know how
much you can offer. More importantly, to a home seller, your
being pre-qualified means they won't have to wonder if
they're wasting their time. You have already investigated
your mortgage options to finance the amount you're offering
for the home. You have the clout of a buyer ready to make
the deal right now!
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 us. For one thing, you'll need a
Pre-Qualification Letter! For another thing, we may be able
to find a different mortgage program that fits your needs
here to download the CFPB Home Loan
American Home Lending USA, LLC is headquartered at 230 S Buchanan
St, Ste A Edwardsville, IL 62025. Direct VA lender. Not
an agency of the federal government. Illinois Residential Mortgage
License MB.6760542, Missouri Residential Mortgage License 16-1661-A,
Licensed by the Mississippi Department of Banking and Consumer
Finance #71983. Florida Residential Mortgage License MLD906; Alabama
Consumer Credit License #21842; Georgia Residential Mortgage License
#36496; Maryland Lender License #21919; Tennessee Residential
Mortgage Licensee #117669; Colorado Residential Mortgage License;
Arkansas Residential Mortgage License #116077; Licensed by the DBO
under the California Residential Mortgage Lending Act #4131300..
and programs subject to change
without notice. Other restrictions may apply. These
materials are not from HUD or FHA and were not approved by HUD or a
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agents, mortgage companies, or banks.
Equal Housing Lender.