How to Get Started
2 Step Pre-Qualification
Get pre-qualified for your home loan to understand your budget before you even begin house hunting.
- We evaluate your overall financial picture based on the information you provide.
- We give you an approximate purchase price and loan amount for which you would qualify if all of the information you provided could be verified.
Mortgage pre-qualification is quick and easy and can be done by phone or online. There is no cost to you.
Pre-Qualification vs. Pre-Approval
A mortgage pre-qualification is a crucial step in the home buying process.
We evaluate your income, debt, assets and credit score as you provided. Based off that information we
determine
the
purchase price and terms of loan you can qualify for. To be approved for a loan, the information stated
in a
prequalification must be fully verified and underwritten. A mortgage
pre-approval is a more formal process where your income and assets are underwritten for loan
eligibility. You will be asked to provide financial documents so we can
verify details for
the
terms of your mortgage. We will provide you with a specific
purchase
price and loan amount for which you are likely to be approved. The pre-approval is
usually valid
for
a particular time period, such as 90 days. Having a pre-approval also looks good to sellers who
know you
are
ready to make the purchase.
What our customers are saying
"My husband and I were first-time home buyers, and got a loan with Axos Bank. Gary was a fantastic loan officer and helped us with making sure we had everything we needed. He was extremely professional, knowledgeable and timely. "
Michelle | San Diego, CA
