🏡 Get Pre-Qualified for Your Dream Home Today!
Buying a home is an exciting journey, and Illuminus Bank is here to make the first step simple. Our mortgage pre-qualification process helps you understand how much you can borrow—so you can shop for your new home with confidence!
What is Pre-Qualification?
Pre-qualification is a quick, hassle-free way to get an estimate of the loan amount you may be eligible for. It’s based on basic financial details you provide and does not require a hard credit check—so you can explore your options risk-free.
How It Works:
✔ Tell Us About Yourself – Share your name, income, credit score, and estimated down payment.
✔ Upload Your Documents – If needed, provide supporting files (securely uploaded).
✔ Get Your Pre-Qualification Letter – Receive an estimated loan amount you can qualify for.
Why Get Pre-Qualified?
✅ Know Your Budget – Understand how much home you can afford before house hunting.
✅ Boost Your Confidence – Sellers take pre-qualified buyers more seriously.
✅ Plan Your Finances – Get a clear picture of monthly payments and affordability.
👉 Start Your Pre-Qualification Today!
Click below to begin your journey toward homeownership. No commitment—just clarity.
💡 Mortgage Pre-Qualification FAQs
1. What is mortgage pre-qualification?
Pre-qualification gives you an estimate of how much you might be able to borrow for a home. It’s based on basic financial details you provide, like income, credit score, and expected down payment.
2. Is pre-qualification the same as pre-approval?
No! Pre-qualification is an initial estimate, while pre-approval involves a deeper financial review, including credit checks and employment verification.
3. Does pre-qualification affect my credit score?
No, our process uses soft credit checks that do not impact your credit score. Pre-approval may require a full credit review.
4. How long does the pre-qualification process take?
It usually takes just a few minutes to submit your details. You’ll receive an estimate quickly!
5. Can I get pre-qualified if I have a low credit score?
Yes! Pre-qualification helps you understand your options. If your credit score is low, we can guide you on improving it to qualify for better loan terms.
6. What documents do I need for pre-qualification?
For pre-qualification, you may need to upload proof of income, financial statements, or identification, depending on your loan type.
7. What happens after I get pre-qualified?
Once pre-qualified, you’ll receive an estimated loan amount. You can then move forward with pre-approval to strengthen your home-buying position!
8. Can I use my pre-qualification letter when making an offer?
Yes! While it’s not a guarantee, it shows sellers that you’re a serious buyer, giving you an advantage in negotiations.
9. How do I start the pre-qualification process?
Simply the fill out the form above—it’s quick, easy, and free!
👉 Start Your Pre-Qualification Now