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What You Need to Know About First-Time Home Buying

According to some statistics, a majority of renters who want to buy a home don’t move forward because they’re afraid they don’t qualify! But there are plenty of programs that make it viable for lots of people—even those with poor credit—to qualify.

For many first-time home buyers, the main issue is coming up with the down payment. Many of those who would otherwise buy a home feel they would move their purchase timeline forward if they could make the down payment.

With some first-time home buyers’ terms, it’s possible to pay with a relatively small down payment, much smaller than the usually-expected 20%.

Home sales are as hot as ever, with available homes sometimes going off the market in as little as three weeks in some areas—or even less.

Find favorable terms. When you approach it the right way, your first home purchase can be a door to great terms that help you with your monthly budget.

My Name is Cristian Moreno

Licensed Mortgage Loan Orginator

As a licensed mortgage loan professional, Cristian has the knowledge and experience to guide you through the application process and help you reach your goal of owning your own home. Whether you are a first-time home buyer, looking for an income property, or maybe looking to refinance, it will be his utmost priority to make sure you’re taken care of. He will take the time and do his due diligence to ensure you are approved regardless of circumstance. If you do not yet qualify, Cristian will sit down with you and provide you with clarity on the home ownership process. He will formulate a plan best suited for you and your family’s needs and guarantee your satisfaction. The financial aspects of buying a home can be overwhelming but they don’t have to be. Call now, and have a professional like Cristian help you get approved now.

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Complete this quick form to receive a no-obligation consultation. We will analyze your situation, determine the best solution, and prequalify you in minutes,  FREE.

Here's a brief preview of what some of the Homeowners we helped said:


Preapproval FAQs answered

What is a mortgage preapproval and why does it matter?

A mortgage preapproval is a letter from a lender indicating the type and amount of loan you can qualify for. The preapproval letter is issued after the lender has evaluated your financial history — including pulling your credit report and score.

Getting preapproved for a mortgage helps you shop for homes within your means and shows you’re a serious buyer.

Getting preapproved also helps you find a mortgage lender that can work with you to select a home loan with an interest rate and other terms suited to your needs.

What is the difference between pre-qualification and preapproval?

A pre-qualification is like an audition, while a preapproval is a dress rehearsal for an actual loan application.

Without digging too deeply into your financial details, a lender can estimate how much mortgage you’ll likely qualify for and some preliminary loan terms. This is commonly referred to as mortgage pre-qualification. It’s based on your estimated credit score and other details you provide the lender, such as the purchase price of a home you would like to buy, your down payment, your monthly debts and how you would want to structure your loan (length, fixed- or adjustable-rate interest, and so on).

With a preapproval, you complete a full application with supporting documentation, The lender pulls your credit report and score and puts an offer in writing to give you a loan at a given interest rate.

Even with a mortgage preapproval, your loan still has to go through underwriting — a final stage of due diligence before issuing the loan — after you have a home under contract.

When should I get preapproved for a mortgage?
The best time to get preapproved is just before you start shopping for homes. By verifying how much you’re qualified to borrow, preapproval helps you decide what you can afford. (However, you may not want to spend as much on a home as the amount you can borrow.) A mortgage preapproval letter also puts you a step ahead of other prospective buyers who aren’t yet preapproved.
I have a low credit score. What kinds of loan programs are there for me?

If you go through the application process with me & my team and we will help you make sure that your payment is in line with what you can fit within your budget (the typical recommendation is a mortgage that takes up no more than 25-33% of your household budget), then you’ll find it’s possible to afford your first home—and the process may be much simpler than you imagined.

How long does a mortgage preapproval last?
The time frame varies by lender, but commonly a mortgage preapproval is good for 90 days. The preapproval letter may have an expiration date on it. If you’re still shopping for homes after that point, you can ask the lender to renew the preapproval. You may need to provide updated information, and the lender may check your credit again.
Why should I get preapproved by more than one lender?
Shopping around enables you to compare all-in costs and get the best deal. Yet half of home buyers consider just one lender when applying for a mortgage, according to NerdWallet’s 2019 Home Buyer Report, based in part on an analysis of the National Survey of Mortgage Originations. By comparing five lenders, NerdWallet found that a buyer could save $430 in interest, on average, in the first year of homeownership alone. Across all home sales, Americans could save $776 million in one year.
Why should I buy a home now and not rent until I can save up a massive down payment?

Because there are plenty of options for lowering your down payment! For example, the FHA loan program, which includes loans insured by the Federal Housing Administration, is great for people with low credit scores and not a lot saved for a down payment. That isn’t to say that you shouldn’t save for a down payment—but remain open to all of the options available.

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