Get Pre-Qualified — Jesus Sanchez

Mortgage Pre-Qualification

All fields marked with * are required

👤 Personal Information

First Name *

Last Name *

Email *

Phone *

Preferred Language

🏠 Property Details

Loan Purpose *

Property Type

Estimated Purchase Price *

Down Payment Amount

💼 Employment & Income

Employment Status *

Annual Gross Income *

Monthly Debts (car, student loans, credit cards, etc.)

📊 Credit & Timeline

Credit Score Range *

Timeline to Buy *

First-Time Homebuyer?

Co-Borrower?

Anything else I should know?

What to Expect

Your journey from application to keys in hand

📋 Apply

Fill out the pre-qualification form above. It takes about 3 minutes. No credit check required at this stage.

🔍 Review

I personally review your information within 24 hours. I'll analyze your income, debts, and financial picture to find the best options.

✅ Pre-Qualification

You'll receive your pre-qualification letter showing how much home you can afford. This gives you buying power when making offers.

🏠 Shop for Your Home

With your pre-qual letter in hand, start shopping with confidence. Sellers take pre-qualified buyers seriously.

🔑 Close & Get Your Keys

Once you find your home, we finalize the loan, complete underwriting, and close. Average closing time: 30-45 days.

Frequently Asked Questions

Answers to the most common mortgage questions

Pre-qualification is an initial assessment of your financial situation to estimate how much you can borrow. It's based on information you provide — no hard credit pull is required. It gives you a realistic budget before you start house hunting.

Pre-qualification is a quick, informal estimate. Pre-approval involves a full credit check, income verification, and produces a formal commitment letter. We start with pre-qualification and move to pre-approval when you're ready to make offers.

FHA loans allow scores as low as 580 with 3.5% down. Conventional loans typically require 620+. VA loans have no minimum but most lenders prefer 620+. Even with lower scores, we can explore options and help you improve your credit.

It depends on the loan type. FHA requires 3.5%, conventional can be as low as 3%, and VA/USDA loans offer 0% down. There are also down payment assistance programs in Arizona that can help cover your costs.

Closing costs typically range from 2-5% of the purchase price. They include lender fees, title insurance, escrow, appraisal, and prepaid items like insurance and taxes. We'll give you a detailed estimate early in the process so there are no surprises.

FHA loans are government-backed with lower credit requirements and 3.5% down. VA loans are for veterans/military with 0% down and no PMI. Conventional loans have stricter requirements but offer more flexibility and no mortgage insurance with 20% down.

From application to closing, the typical timeline is 30-45 days. Pre-qualification can happen in 24 hours. The longer parts are underwriting and appraisal. Having your documents ready speeds everything up.

Absolutely! Self-employed borrowers typically need 2 years of tax returns and may use bank statements to verify income. Programs like bank statement loans are designed specifically for self-employed buyers.

Yes! Arizona offers several programs including the Home Plus program (up to 5% down payment assistance), Pathway to Purchase, and Neighborhood Lift. These can significantly reduce your upfront costs. I'll help you find programs you qualify for.

No! Pre-qualification does not require a hard credit pull, so it won't affect your credit score at all. Only pre-approval involves a hard inquiry, and even then, multiple mortgage inquiries within a 45-day window count as a single inquiry.

Find Out How Much Home You Can Afford