Get Prequalified:
Make your dream of owning a home a reality.
See What Home Price You Could Afford With Our 30 Second Survey.
Get Pre-Qualified for Free!
See what home price ranges you can afford.
Put in a faster offer with a letter to stand out amongst other buyers.
Give your real estate agent the needed documentation to compete for you.
Testimonials
Client Experiences
Nikos Lilles
Home Owner
"Kelly has been my preferred lender for years and has successfully closed countless home loans for my real estate clients... Due to an extended building process our timelines were pushed back multiple times. Kelly was able to utilize everything in his tool box and not only SAVED us lots of money with fee's he also got us an incredibly low rate. I highly recommend Kelly to anyone who is looking to Buy or Refinance a home."
Georgia Calhoun
Home Owner
"Kelly was excellent in handling my loan and guiding the process from start to finish. He made the process as simple and as flexible as possible so that it wouldn't interfere with my usual routine. He was attentive to my needs and responded quickly when I had questions... I would highly recommend using Kelly for any help on a mortgage loan."
Sarah Haller
Home Owner
"We purchased our first home in 2010 and Kelly was so helpful. I had an irregular income and we had minimal amount for our down payment. Kelly gave us clear information as to what the requirements were and walked us through the entire process. Purchasing a home is no easy task. Having a lender on your side who will work hard to get you the loan and walk you through the bumps along the way is so important - Kelly does that!
Why Should You Get Pre-Qualified?
Understanding Your Budget: Pre-qualification provides you with an estimate of how much you can afford to spend on a home. It takes into account your financial situation, including your income, credit score, and debt.
Knowing your budget upfront helps you focus your home search on properties within your price range.
This can save you time and prevent the disappointment of falling in love with a home that's out of your financial reach.
Increased Credibility: When you're pre-qualified for a mortgage, it shows sellers that you're a serious and financially capable buyer.
In a competitive real estate market, this can give you an advantage when making an offer on a property. Sellers are more likely to consider offers from pre-qualified buyers over those who haven't taken this step, as it reduces the risk of the deal falling through due to financing issues.
Streamlining the Buying Process: Pre-qualification streamlines the homebuying process.
It gives you a head start on the mortgage approval process, so once you find a home you want to purchase, you can move more quickly to secure financing.
This can be especially important in fast-moving markets where desirable properties may receive multiple offers.
A pre-qualified buyer can often make a more appealing offer because they have already taken the initial steps toward securing a mortgage.
Kelly Naff
COO | Mortgage Broker
NMLS: 219391
503-881-3942
Get Into a Home in Oregon!
Being an Independent Mortgage Broker gives us the advantage to offer better options, better rates and lower fees.
As a Victory Home Loans licensed Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs.
Frequently Asked Questions
Is Getting Pre-Qualified The Same as a Pre-Approval?
While pre-qualification is a helpful step, it's important to note that it is not the same as pre-approval. Pre-qualification is based on self-reported financial information and provides a rough estimate of what you can afford. Pre-approval, on the other hand, involves a more thorough evaluation by a lender, including a credit check and documentation of your financial status. It's a stronger endorsement of your ability to secure a loan, and it's typically more desirable to sellers. Therefore, after pre-qualification, it's a good idea to pursue pre-approval for a more solid footing in your homebuying journey.
Does Pre-Qualification Guarantee a Mortgage Approval?
Pre-qualification is not a guarantee of mortgage approval. It's a preliminary assessment that helps you understand your potential budget and gives you a sense of how much you could borrow. Actual mortgage approval depends on more in-depth factors, including a lender's review of your credit history, income, employment status, and the property you intend to purchase. While pre-qualification is a helpful starting point, it doesn't ensure that you will ultimately qualify for a mortgage, as this requires a more detailed process and the property itself can also affect the final approval.
Is Pre-Qualification the Same for All Lenders?
No, pre-qualification can vary from lender to lender. Different lenders may have slightly different criteria and processes for pre-qualification. It's important to understand that being pre-qualified by one lender doesn't necessarily mean you'll have the same pre-qualification status with another lender. To get the most accurate assessment of your financial situation and homebuying potential, it's a good idea to get pre-qualified by multiple lenders or work with a mortgage broker who can help you compare offers and select the one that best suits your needs. This can also help you secure the most favorable terms and interest rates when you decide to move forward with a mortgage application.
