Buying
What a real pre-approval looks like
Agents in Orange County can smell a fake letter. Here is what we actually verify before we put GR on the page.
A pre-qualification is a conversation. A pre-approval is a file: credit, income, assets, and a property type we can fund.
We pull credit with a soft or hard inquiry depending on how close you are to writing an offer. We collect paystubs or bank statements, not a screenshot of your Venmo.
The letter names a purchase price, loan program, and expiration. Listing agents in Irvine and north OC will call to verify. We pick up.
If you are a first-time buyer using FHA or gift funds, we say so on the letter so there are no surprises in underwriting.