How it works
Pre-qualification is simple, fast, and pressure-free — here's what to expect.
1
Share a few basic details
Just your name, contact info, estimated purchase price, and a rough idea of your credit score. That's it.
2
Chelsea reviews your situation
No bots. Chelsea personally looks at your info and identifies the best loan options for your goals.
3
You get your number
Receive a clear pre-qualification range so you can shop with confidence and make strong offers.
4
Ready when you are
No pressure to move fast. Your pre-qual is a tool — use it when the right home comes along.
Common questions
Does this hurt my credit score?
No. Pre-qualification uses a soft credit inquiry, which has zero impact on your credit score. A hard pull only happens if you move forward with a full application.
How is pre-qualification different from pre-approval?
Pre-qualification is a quick estimate based on the info you provide — it's the easiest first step. Pre-approval is more formal and involves verified documents. We'll walk you through both.
How long does pre-qualification last?
Typically 60–90 days. If your timeline extends, we simply refresh it — it only takes a few minutes.
I'm just starting to explore. Is that okay?
Absolutely! Many of our clients get pre-qualified months before they're ready to buy. Knowing your number early makes the whole process less stressful when the time comes.
Chelsea Reeder
Loan Officer · Motto Mortgage
📞 864-539-2460
Start Your Pre-Qualification
No hard credit pull · No obligation · 100% free
✓ Soft pull only
✓ No obligation
✓ Fast response