Get Pre-Qualified For a Mortgage
Purchasing a home or refinancing? Apply today and get pre-qualified!
Simply fill out our quick and easy pre-qualification form below
A licensed loan officer will reach out to you and go over all your options
Your budget is set, and you can now start shopping for your new home!
Please complete the below form & we will contact you within 24 hours to help you achieve your home financing goals.
What is pre-qualification?
Pre-qualification for a home loan determines your ability to repay the loan based on information you provide. If you’re simply gauging your options, getting pre-qualified for a mortgage is a good first step. It doesn’t guarantee approval for a loan — it’s simply an idea of the mortgage amount you might qualify for.
How Do I Get Pre-Qualified?
We take a look at two main things: your assets and income. Your assets and income are reviewed to establish the maximum purchase price you can afford on a home and how much you will be able to borrow. Your credit history will not be reviewed at this time. Fill out the above submission form to get started!
Pre-Qualification vs. Pre-Approval? How Are They Different?
If you’re new to mortgages, pre-qualification and pre-approval might sound like the same thing; however, they play very different roles in the home financing process. While pre-qualifying for a home loan only requires looking at your assets and income, pre-approval entails an in-depth review— including your financial background and credit history— and usually results in an estimated interest rate and approval amount.
HMAC Team Cal Point Mortgage’s broad portfolio of home financing products includes conventional, VA, FHA, USDA, refinance and home equity loans to help you achieve your goals. Whether you’re searching for the perfect home or looking to refinance, the HMAC Team Cal Point Mortgage team can help.