Pre-qualification is not a formality. It is the foundation of every competitive offer in Southern California. Know your number, your program, and your timeline before you step into a listing.
Four steps from first contact to a pre-qualification letter in hand. No unnecessary back-and-forth, no automated system — direct broker attention on every file.
Basic income, credit range, target purchase price, and down payment. Takes under five minutes. No hard credit pull at this stage.
Troy reviews your profile directly and identifies the loan programs that fit — conventional, FHA, VA, jumbo, or non-QM. No algorithm, no junior processor.
You receive a clear breakdown of your options: rate estimates, down payment requirements, monthly payment ranges, and any conditions that apply.
Once you choose a direction and provide basic documentation, a pre-qualification letter is issued — ready to submit with your offer.
Submit your information and Troy will follow up directly — typically within the same business day. No automated pre-approvals, no offshore call centers.
If your situation is more complex, a short call is always the fastest path. The number below reaches Troy directly.
By submitting this form you consent to be contacted regarding your mortgage inquiry. All information is kept strictly confidential. This is not a commitment to lend.
Pre-qualification is a preliminary assessment based on stated information. Pre-approval involves verified documentation and a full credit review. In competitive SoCal markets, a full pre-approval is stronger when making offers, and we can get you there quickly once documentation is submitted.
No. The initial pre-qualification review does not involve a hard credit pull. A hard inquiry only occurs when you formally apply for a loan and authorize it in writing. We will tell you exactly when that step happens.
Once your documentation is submitted and reviewed, pre-qualification letters are typically issued same day or next business day. If your file has complexity — self-employed income, recent job change, credit questions — we discuss that upfront before committing to a timeline.
Often, yes. Retail banks and online lenders have narrow overlays and limited programs. As an independent broker with access to 100+ investors including non-QM and bank statement lenders, there are frequently paths available that a single lender cannot offer.
It depends on the program. Conventional loans typically require 620 minimum, with best pricing at 740+. FHA goes down to 580. VA has no stated minimum but lender overlays apply. Non-QM programs can work down to 600 in some cases. We match your profile to the right program — not the other way around.
Yes. Self-employed borrowers have multiple paths available: full-doc using tax returns, bank statement programs using 12 or 24 months of deposits, or P&L-only programs depending on the lender. The key is having documentation organized before submission to avoid delays.