Same-Day Pre-Approval
Apply in the morning, shop with a letter by the afternoon. Sellers take your offer seriously from day one.
Albuquerque · first-time buyer programs · 1,400+ families funded
Stop guessing what you can afford. A real pre-approval letter puts you at the front of every offer — and ours closes in an average of 18 days.
Current rate lock window closes in:
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Soft credit check · No impact on your score · 18-day average close
Big-bank rates without big-bank runaround. One loan officer, one phone number, start to keys.
Apply in the morning, shop with a letter by the afternoon. Sellers take your offer seriously from day one.
Conventional, FHA, VA, USDA, jumbo, and down-payment assistance — we shop 40+ lenders so you don’t have to.
${loName} personally guides your file. Nights-and-weekends availability, because homes don’t wait for business hours.
1,400+
families funded
18
day average close
40+
lenders shopped
$0
cost to get pre-approved
No. The 60-second pre-qualification uses a soft pull that never affects your score. A full credit pull only happens later, with your written consent.
Possibly less than you think — FHA starts at 3.5%, VA and USDA can be 0% down, and ${city} down-payment assistance programs may cover the rest.
Yes. Bank-statement and 1099 programs are built for business owners. Bring 12–24 months of statements and we’ll find your fit.
We fund loans down to 580 FICO on some programs, and if you’re not ready yet, you’ll get a free action plan to get there — no charge, no obligation.
Answer a few questions and Marcus Reed will text you your real numbers — rate, payment, and buying power.
*Rate shown is a sample APR for qualified borrowers and is subject to change. Summit Home Lending, NMLS #123456. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval.