pre-qualify_st_louis_mortgage_home_for_saleWelcome to Liberty Lending Consultants and their St. Louis Home Loans division.  We hope you enjoyed visiting the New Home Property Website and now ready to discuss the various St. Louis home loans and what's best for you. 

But whether you end up choosing the home you just viewed or end up choosing another, most home shoppers wonder why they should even talk to a mortgage professional before house hunting?

This is a question we're asked alot from most of our clients! Even if you haven't picked out any houses to visit yet, it's important to see your mortgage professional first.  Why?

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we 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 other important things.

Once you qualify, we 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 to find the best St. Louis lending package to meet your needs and that we're confident you'll qualify for a loan for a certain amount.

This plays a very important role when you find a house that catches your eye because when you decide to make an offer, being pre-qualified for any St. Louis mortgage will do two things for you.

First, it lets you know how much you can offer.  Although your real estate agent will help you decide on an appropriate offer on the home for sale, being pre-qualified gives you the confidence to know you can follow through with your home transaction.

This can be very important to the home seller.  Think of it this way:  Your being pre-qualified is like walking 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 they now know you can 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 before visiting with us.  Then call us to find a time that would be convenient for us to meet and discuss this the best loan for you and your family. 

We can then provide a Pre-Qualification Letter as we do everyday for all St. Louis home loans because it will help you in the long run!  Call us at 314-334-0210 or fill out the short form below.

 
(To get started, fill out a simple quick app below. It is safe and confidential!)

Basic Pre-Approval

Get the Best Mortgage Rate!

Tell us a little about your current needs and we can use that
information to match you with just the right loan.
 
Tell us about your loan needs.
*Reason for loan (purch, refi, cash out):
*Value of property:
*Type of property:
*Amount you need to borrow:
Type of loan wanted (30 Yr, 15 Yr, ARM, Int. Only):

How can we get in touch with you?
*Name:
*Email:
Phone:
Address:
City:
*State:

Tell us about your credit history.
*Credit History (Excellent, Good, Average, Poor):

Note: Fields with an * are required


Liberty Lending Consultants 1950 Craig Road, Suite 100 Saint Louis, MO 63146
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