Getting pre-approved is the first real step to buying a home — before you tour houses, before you make an offer. Here’s how it works with me, and what I need from you.
How it works
- We talk. Call me at (714) 705-4013 or email dat@elendingteam.com. Tell me about your income, your debts, your credit, and what you’re hoping to buy.
- I run your real numbers. I check what you can actually afford — the full payment, not just principal and interest — and which loan programs and down payment assistance you qualify for.
- You get a real answer. A pre-approval amount you can shop with, plus a clear picture of your down payment, monthly payment, and cash to close.
What to have ready
- Recent pay stubs and W-2s (or tax returns if you’re self-employed)
- Bank statements for your down payment and reserves
- A photo ID
- Your credit picture — I’ll pull it with your permission and walk you through it
If your credit needs work or your cash is tight, that’s fine — that’s most first-time buyers. I’ll tell you honestly what your lane is, and what to fix before you apply.
A note about our online application
We’re updating our online application right now, so the fastest way to start today is to call or email me directly — (714) 705-4013 or dat@elendingteam.com. You can also reach the team at (949) 357-5029 or hello@fthbpros.com.
Not ready yet? Run your numbers in the Home Affordability Calculator, listen to the podcast, or join a free webinar first. When you’re ready to talk numbers, I’m here.
Dat Nguyen, Certified Mortgage Advisor · NMLS #1379110 · Everyday Lending Group