Everyone Deserves a Chance

at Homeownership

How to Get Pre-Qualified

Wondering how it all works? Here are a few of the criteria we take into account.

Down Payment

Your downpayment is the upfront amount paid when purchasing a home, typically ranging from 0% to 20% of the purchase price. It influences your mortgage terms and monthly payments. We offer guidance on saving for a downpayment and access to various down payment assistance programs to ease your path to homeownership.

Credit Score

A good credit score is crucial in qualifying for a mortgage with favorable terms. We provide insights on how your credit history affects your mortgage options and offer tailored advice for credit improvement, ensuring you're in the best position to secure your dream home.

Employment History

Stable employment is a key factor in securing a mortgage. Lenders review your employment history and income stability to assess your loan repayment capacity. Our team assists in presenting your employment details accurately and effectively, ensuring a smoother mortgage approval process.

Dept-to-Income Ratio

Your DTI ratio is a critical factor that lenders use to evaluate your borrowing risk. It represents the percentage of your monthly income that goes towards paying debts. Understanding and optimizing your DTI can improve your mortgage eligibility. We offer expert guidance on managing your debt effectively to enhance your mortgage prospects.

Home Ownership Made Easy

Navigating the mortgage process can be surprisingly straightforward with the right guidance. Our streamlined approach simplifies each step, from initial application to final approval. We offer clear, concise explanations of all requirements, ensuring you understand every aspect of the process. With our expert support, you'll find that managing documentation, meeting lender criteria, and understanding financial implications become manageable tasks. Ultimately, our goal is to transform what can seem like a complex journey into a smooth and accessible path to homeownership.

Call 804-818-6018

Email: jroberts@cfmortgagecorp.com

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