Find out what you can actually borrow before you start looking.
Most buyers spend weeks touring homes they can't finance. Get a pre-qualification letter from Molitor Financial Group in less than 24 hours and find out you exactly where you stand. Fill out our short online form and we'll come back with real numbers. No sales pressure. No commitment. If the numbers don't work yet, we'll tell you that too and create a plan to help you reach your goals.
What Pre-Qualification Actually Means:
A mortgage pre-qualification gives you an early estimate of how much you may be able to borrow, based on your income, assets, and debts. It does not require a hard credit pull, and it is not a loan commitment.
What it does do is put a real number on your search. You stop guessing at price ranges. Your real estate agent knows your parameters. And when you find the right home, you move faster than buyers who haven't done this step.
Some realtors require a pre-qualification letter before they'll show you homes. Getting one early removes that friction entirely.
Pre-qualification vs. pre-approval: These two terms get used interchangeably, but they're not the same thing. Pre-qualification is faster, based on self-reported information, and carries less weight than a pre-approval. A full pre-approval involves verified documents and is more meaningful to sellers. We can walk you through both and tell you which one makes sense for your situation.
As a broker, we don't push one lender's product. We work with a variety of lenders and match your profile to the options that actually fit, whether that's a conventional loan, FHA, VA, or something outside of the box. That matters more than most buyers realize.
1
Tell Us Your Situation
2
We Review The Numbers
3
We Discuss Your Options
4
You're Pre-Qualified!
Why Broker Vs. Big Bank matters
One bank gives you one offer. We give you options.
When you go directly to a bank for a mortgage pre-qualification, you get that bank's products. That's it. As a mortgage broker multiple states, we submit your unique scenario to a network of lenders and find tailored products that actually fit your credit, income, and goals.
Expansive Loan Product Portfolio. No retail markup. One Simple Application.
What Buyers Ask Before Pre-Qualifying
Does Pre-Qualification Affect My Credit Score?
Pre-qualification typically involves a soft credit inquiry, which does not affect your credit score. A hard pull only happens when you formally apply for a loan. We'll tell you exactly when that step occurs and what to expect.
What Documents Do I Need To Get Pre-Qualified?
At the pre-qualification stage, you typically don't need to upload documents. You'll provide basic information about your income, debts, assets, and the purchase price you're targeting. If you move to a full pre-approval, you'll need recent pay stubs, two years of tax returns, bank statements, and a few other items. We'll walk you through that list when the time comes.
I'm A First-Time Homebuyer. Where Do I Start?
Start with pre-qualification. Before you hire an agent, tour homes, or commit to anything, find out what you can actually borrow. Many states also has several first-time homebuyer assistance programs that can help with down payments and closing costs. We work with these programs regularly and can tell you which ones you may qualify for based on your location and income.
How Long Do Pre-Approval Letters Stay Valid?
Most pre-qualification letters are valid for 60 to 90 days. After that, we'll refresh it with updated information. If your financial situation changes during your home search, let us know and we'll update your letter accordingly. Rate environments shift, and your letter should reflect current conditions.
Service areas: Arizona, Colorado, Florida, Illinois, Indiana, Michigan, Ohio, Texas, Wisconsin.
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