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Get Pre-Qualified Today

Your First Step to Homeownership at 9th Street, Buena Park

Why Get Pre-Qualified?

Getting pre-qualified for a mortgage is one of the smartest moves you can make before beginning your home search. It's a simple, free process that provides you with valuable insights into your buying power and sets you up for success in today's competitive real estate market.

Key Benefits of Pre-Qualification

Know Your Budget Before You Shop Understanding exactly how much you can afford prevents you from falling in love with a home that's outside your price range. Pre-qualification gives you a realistic budget to work with, making your home search more focused and efficient.

Strengthen Your Offers In today's competitive market, sellers want to work with serious buyers. A pre-qualification letter shows sellers that you have your financing in order and can follow through on your offer, giving you a significant advantage over non-qualified buyers.

Save Time and Reduce Stress By knowing your budget upfront, you can focus your search on homes within your price range. This saves countless hours of looking at properties you can't afford and reduces the emotional stress of the home buying process.

Understand Your Loan Options The pre-qualification process helps you learn about different mortgage programs available to you, including conventional loans, FHA loans, VA loans, and first-time buyer programs. You can explore which option best fits your financial situation.

Lock in Current Rates Once pre-qualified, you may have the option to lock in current interest rates, protecting yourself from potential rate increases during your home search period.

How the Pre-Qualification Process Works

Step 1: Initial Consultation

We'll start with a friendly conversation about your homeownership goals, timeline, and financial situation. This typically takes 15-20 minutes and can be done over the phone, via video call, or in person.

Step 2: Financial Review

You'll provide basic information about your income, employment history, assets, and current debts. This information helps us calculate your debt-to-income ratio and determine your qualifying loan amount.

Information You'll Need:

• Employment history and current income

• Bank account statements

• Information about current debts (credit cards, car loans, student loans)

• Estimate of available funds for down payment and closing costs

Step 3: Credit Assessment

We'll review your credit profile to understand your credit score and history. This helps determine what loan programs you qualify for and what interest rates you may receive.

Step 4: Pre-Qualification Letter

Once we've reviewed your information, we'll provide you with a pre-qualification letter stating the loan amount you may qualify for. This letter can be presented with offers on properties you're interested in purchasing.

What Makes Us Different

Expert Guidance Throughout the Process

Our team combines real estate and lending expertise to provide you with comprehensive support. We understand both sides of the transaction and can guide you through the entire home buying process.

Multiple Language Support

We're proud to serve our diverse community with multilingual support, including English, Chinese (Mandarin), and other languages to ensure clear communication throughout your journey.

Local Market Knowledge

As specialists in the Buena Park area and surrounding communities, we understand local market conditions, property values, and neighborhood trends that can impact your home purchase.

Technology-Driven Efficiency

We use advanced technology platforms to streamline the pre-qualification process, making it faster and more convenient for busy professionals and families.

Meet Your Pre-Qualification Team

Gigi Zhang - Realtor & Loan Officer, Ph.D.

DRE# 02080633 | NMLS# 2124586 RateDNA Mortgage

With advanced education and dual licensing as both a realtor and loan officer, Gigi brings unique expertise to your home buying journey. Her comprehensive understanding of both real estate and mortgage lending allows her to provide integrated guidance throughout the entire process.

Contact Gigi:

• Cell: 650-444-1201

• WhatsApp: 213-245-1216

• WeChat/Xiaohongshu: gigiZhangBay

Rosalia Yang - Loan Consultant

NMLS# 818004

Rosalia is a dedicated loan consultant with extensive experience in helping families achieve their homeownership dreams. She specializes in finding the right loan programs for each client's unique situation and provides personalized service throughout the mortgage process.

Contact Rosalia:

• Office: (909) 912-7836

• Cell: (626) 922-5859

• Fax: (909) 912-7836

• Office Address: 391 North Main Street, Suite 102, Corona, CA 92878

Frequently Asked Questions

What's the difference between pre-qualification and pre-approval?

Pre-qualification is a preliminary assessment based on information you provide, giving you an estimate of what you might be able to borrow. Pre-approval is more detailed, involving verification of your financial documents and a hard credit check, resulting in a conditional commitment for a specific loan amount.

Does pre-qualification affect my credit score?

Pre-qualification typically involves only a soft credit inquiry, which does not impact your credit score. If you decide to move forward with a formal loan application, a hard credit inquiry will be required.

How long does the pre-qualification process take?

The initial pre-qualification can often be completed within 24-48 hours once you provide the necessary information. The process is designed to be quick and efficient.

What if I'm self-employed or have non-traditional income?

We work with borrowers of all employment types, including self-employed individuals, contractors, and those with non-traditional income sources. We'll help you understand what documentation you'll need and explore loan programs designed for your situation.

How long is a pre-qualification letter valid?

Pre-qualification letters are typically valid for 60-90 days, though this can vary by lender and market conditions. We can update your letter as needed during your home search.

Can I get pre-qualified if I have less-than-perfect credit?

Yes! We work with borrowers across the credit spectrum and can help you understand what loan programs are available based on your credit profile. We can also provide guidance on improving your credit if needed.

Ready to Get Started?

Getting pre-qualified is the first step toward achieving your homeownership goals. Whether you're a first-time buyer or looking to upgrade to a new home, our team is here to guide you through the process with expertise, professionalism, and personalized service.

Contact us today to begin your pre-qualification:

Call or Text:

• Gigi Zhang: 650-444-1201

• Rosalia Yang: (626) 922-5859

Email us for more information or to schedule a consultation

Follow up via social media:

• WeChat: gigiZhangBay

• WhatsApp: 213-245-1216

Office Visit: Rosalia Yang's Office 391 North Main Street, Suite 102 Corona, CA 92878 (By appointment)

Pre-qualification is based on preliminary information and is not a commitment to lend. Final loan approval is subject to verification of information, satisfactory credit history, adequate collateral, and ability to repay as determined by underwriting guidelines. All loans subject to approval.

Next Steps After Pre-Qualification

Once you're pre-qualified, you'll be ready to:

1. Start Your Home Search - Work with our real estate team to find properties within your budget

2. Make Competitive Offers - Present offers backed by your pre-qualification letter

3. Move to Pre-Approval - When you find the right home, we'll help you complete the full pre-approval process

4. Close on Your Dream Home - We'll guide you through the closing process to complete your purchase

Your homeownership journey starts here. Contact us today to get pre-qualified!