Jeff Wen Mortgage

jeff wen mortgage logo
Menu

MORTGAGE
PRE-APPROVAL

Is the home-buying process full of confusion? Let us help you determine how much money you can borrow to speed up the process

Schedule a Meeting

HOME LOAN PRE-APPROVAL

Stressed out about buying your first home?

The majority of home sellers will expect buyers to have a pre-approval letter before accepting an offer. This is because pre-approval acts as proof that you have the necessary finances to complete the transaction. Sellers also tend to be more willing to negotiate with buyers who can prove that financing is available.

Getting pre-approved will also help you gain a better understanding of your current and future financial situation. It takes away some of the fear and anxiety associated with making big financial commitments and buying a house for the first time. Working with our team, we can help you get pre-approved while also educating you on the home-buying process. This way, you’ll be more confident in your decision.

FIRST TIME HOME- BUYER

YOU’VE DECIDED TO BUY A HOUSE—NOW WHAT?

Buying and owning a home can be an exciting and intimidating process for many homebuyers, especially for first-timers. With so much conflicting information on the internet, it can be difficult to know exactly who to talk to, the steps to take to successfully buy a house, and the financial options available to you.

Requirements For Pre-approval

Proof of Income

Pay Stubs, W-2 statements, Tax returns, and additional income documentation…

Credit History​

Consent for a credit check, explanation for any negative marks on the credit report if

Identification​

Valid government-issued photo ID like driving license, passport, and social security number.

Pre-qualification

Pre-qualification is an initial step where a lender provides an estimated borrowing

Pre-qualification is an initial step where a lender provides an estimated borrowing amount based on self-reported financial information provided by the borrower. This process involves a basic review of income, assets, and debts, typically without a formal verification or credit check. While pre-qualification gives an idea of potential loan amounts, it does not guarantee approval for a mortgage nor does it provide a binding commitment from the lender.

Pre-Approval

Pre-approval is a more comprehensive and formal process.

Pre-approval is a more comprehensive and formal process. Based on this detailed review, the lender provides a conditional commitment letter stating the maximum amount they are willing to lend to the borrower. This pre-approval letter carries more weight in real estate transactions as it signifies that the borrower has undergone a thorough financial review and meets the lender’s criteria for a mortgage.

TESTIMONIALS

Discover why clients trust us
through their success stories.

Jeff is a true professional, making our home-buying experience smooth and stress-free. From the beginning to the end of escrow, he was communicative and patient, always available for quick calls to answer our questions. He broke down the confusing parts of the escrow process for us, and after closing, he promptly clarified the post-escrow steps.
Buying a home can be overwhelming, but with Jeff, we felt well taken care of. We wouldn’t hesitate to work with him again when the time comes.
 

Elliot P. from Chino Hills, CA

Jeff and his team helped us purchase a home in April/May 2023. He was recommended by our realtor. Jeff was friendly, professional, clearly explained all the steps in the mortgage process, and kept us updated throughout. We were able provide our documentation electronically and sign most of the documents online.
Jeff and his team made sure we understood what was happening and exactly what we needed to do next. We really appreciated his advice and help, and wouldn’t hesitate to use his services again.
 

Marianne from Tustin, CA

Working with Jeff was an absolute pleasure. As a first-time homeowner, applying for a mortgage and going through escrow wouldn’t have been as smooth without Jeff and his colleague Amy. They really took the time to walk us through the steps and fielded any questions we had along the way. When you need a quick response, Jeff and Amy are on it whether it’s by text, phone call, or e-mail. I have friends who had less than stellar experiences with other loan officers, and I would not hesitate to work with Jeff and his team in the future.
 

Kenneth Vu Rancho Cucamonga,

Jeff and Amy were extremely easy to work with. They made us first time home buyers feel very comfortable with reaching out. Jeff was reliable and open to all communication, regardless if it is early in the morning or late at night. He was super helpful in answering all our questions and guiding us through the process, which is very daunting to first timers like us. All the loan documents were sent to us in a timely manner and the team were always on top of making sure the documents get signed on time. I would refer Jeff and his team to my family and friends

Ronald Ho from Los Angeles, CA

Jeff and Amy are truly an amazing team. They helped guide my husband and me through the loan process when purchasing our home. Jeff kept us in the loop every step of the way and connected with our realtors when needed. He made himself available whenever we needed to talk things through and by the time we signed our final papers, we felt that we had learned so much about the loan process. Buying a house can be an extremely stressful experience, but Jeff and Amy made it as seamless, organized, and stress-free as possible!
 

MollyS Rancho Santa Margarita, CA

Jeff was really great to work with and made our home buying experience very smooth. It was our first time purchasing a home and Jeff’s knowledge, guidance and patience through the whole process made it much less stressful especially in the current housing climate.
Jeff and his team kept us informed throughout the whole process.
They were both easy to reach and was always just a call away. Even after we closed, Jeff called to give some advice and let us know what to look out for which we greatly appreciated.
 

Squishymochi from Brea, CA