Home borrowing information for greater Western Washington

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When a seller requests that all buyers are "prequalified," what they are asking is to make sure a mortgage company believes the buyer will be able to get the loan required to buy a house.  the mortgage company takes many factors into account when making this decision.  These factors include:

  • Overall income

  • Income to debt ratio

  • Credit score

  • Cash on hand for down payment

  • Desired housing price

  • Potential loan amount

Once you are prequalifed for a new home loan, this still does not guarantee that you will get a loan for a specific house.  There are other factors that may influence the final decision from the lender.  But this is about as close as you can get to being certain you will get a loan.  Also, working with the lender through the prequalification process will help you understand exactly what you can afford in terms of a final price for a house.

Prequalify now using's prequalification service!  Simply fill in the form below and a pre-screened participating lender will contact you, usually within 24 hours.

Please bear in mind that some personally identifying information will be required in order to prequalify - such as date of birth and Social Security number.  We will never ask you for that type of information in a web form or email; the lender will ask you for this information either by phone or in-person.  The only required information is name and phone number.  However, the more things you fill in, the easier and faster it will be to get your prequlification process done.

Pre-approval form