Quick & Easy
Complete the application in just 10-15 minutes. No lengthy paperwork or complicated processes.
Secure & Confidential
Your information is protected with bank-level security and handled with complete confidentiality.
No Credit Impact
Pre-qualification uses a soft credit inquiry that won't affect your credit score.
Strengthen Your Offer
Show sellers you're a serious buyer with a pre-qualification letter from a trusted lender.
Complete Your Pre-Qualification Application
Fill out the form below to get started. We'll review your information and contact you with your pre-qualification details.
How It Works
Submit Application
Complete the online form with your basic financial information
Quick Review
Our team reviews your application and verifies your information
Get Your Letter
Receive your pre-qualification letter, typically within 24 hours
Start Shopping
Begin your home search with confidence and a competitive edge
What You'll Need
Personal Information
- Full legal name and date of birth
- Social Security Number
- Current address and housing history
- Contact information (phone and email)
Employment Details
- Current employer and job title
- Employment history (2 years)
- Monthly gross income
- Additional income sources (if applicable)
Financial Information
- Bank account balances
- Investment and retirement accounts
- Monthly debt obligations
- Estimated down payment amount
Property Details
- Desired property type and location
- Estimated purchase price range
- Intended use (primary, second, investment)
- Preferred loan type (if known)
Have Questions Before Applying?
Our mortgage experts are here to help! Call us today to discuss your options and get personalized guidance.
Call David Ruch: (805) 235-8575David Ruch • NMLS # 331347 • 42 Years of Mortgage Expertise
Monday - Friday, 9:00 AM - 6:00 PM
