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It’s a crucial step in the homebuying process. Plus it’s free, quick, and easy.
Getting pre-qualified for your home loan helps you understand your budget before you begin house hunting.
Your overall financial picture is evaluated based on the information you provide.
You receive a preliminary estimate of the purchase price and loan amount you qualify for.
You can get pre-qualified over the phone or online.
It increases your negotiating power and gives you a competitive advantage.
Getting a pre-approval is a more formal process where your income and assets are underwritten for loan eligibility.
The details from the financial documents you provide are reviewed and verified to determine the terms of your mortgage.
You receive a specific purchase price and loan amount for which you are likely to be approved.
Your pre-approval is usually valid for a particular time period, such as 90 days.
Having a pre-approval lets sellers know you are ready to make the purchase.
Headquartered in San Diego, we’ve been recognized both locally and nationally for our dedication to delivering customer-friendly products for nearly 20 years. Experience why The San Diego Business Journal, Forbes, and Money Magazine rate us among the best banks.
"Excellent service"
"Melissa and Erica were great team members and were always there if I ever had a problem. Even though I was in different time zones, they still made sure to be available help."
Brandon | Newark
"Super responsive and friendly"
"I've worked with Trish at least twice on refinancing an investment property. Every time has been a pleasure. Trish is very attentive and detail oriented, as well as being very responsive. She has given me great advice throughout. Definitely recommend."
Harold | San Francisco
"Excellent and personable service"
"RJ was there every step of the way with our refi. He had a warm and receptive demeanor and responded to our questions within minutes. We highly recommend RJ to anyone with mortgage needs, especially in this time where excellent customer service seems to be hard to find."
John | Ventura