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Are you tired of reaching out to a big faceless organization, not supporting local businesses, tracking down 800 numbers and remembering extensions, calling only during normal business hours with no text features?

Before you start looking for your first home, we can help you with a Jacksonville, Florida mortgage prequalification.

Carbon Capital can help you get pre-qualified or preferably pre-approved and on your way to home ownership! Simply fill out our mortgage prequalification form securely on our website; the button is located on the top right of the home page! With a prequalification letter in hand, you know that you may get approved for a mortgage before you even look at your first potential new home.  It’s the first step in making a smart decision.

Mortgage Prequalification in Jacksonville, Florida

Some realtors will require buyers to get pre-qualified before even starting to house hunt. It’s an effort to minimize anyone wasting any time including the buyers time.  A simple mortgage prequalification letter can help you narrow your search to find exactly the home you need. It also makes the mortgage application process that much smoother and increase the close rate from 50/50 to over a 90% success rate.

Determine how your credit looks.

Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.

There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are www.freecreditreport.com and www.creditkarma.com.  We also respect www.creditsesame.com and www.credit.com as other websites that give relatively accurate depictions of your score.  Although we cannot be 100% certain unless we pull credit ourselves. We will pull from all three credit bureaus which are TransUnion, Equifax, and Experian.  We will use your middle score, not the highest score and not the lowest score.

If you have a credit score below 620, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score.

Talk to an expert at Carbon Capital about your financial history, goals, and the path to buy a home. Call us today & find out if you qualify for a mortgage pre-qualification in Jacksonville, FL and Ponte Vedra Beach FL!

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