Get pre-approved before you fall in love with a house.
A real pre-approval — properly underwritten, not a soft guess — so your offer holds up when you’re competing for the house you actually want.
Prefer to talk it through? (720) 782-8348Mon–Fri, 9am–5pm Pacific
- Pre-approval letters typically in 24–48 hours
- Conventional, FHA, VA and USDA programs
- First-time buyer and CalHFA assistance programs
- 50+ wholesale lenders shopped on your behalf
Start your pre-approval
No documents needed to begin. No obligation.
A pre-approval that survives a competitive offer
In California, the letter behind your offer is part of the offer.
Underwritten, not estimated
Plenty of lenders issue a letter off a five-minute phone call. Listing agents know the difference. Ours is reviewed properly so it stands up to scrutiny.
Self-employed? That’s our specialty
Bank statement, P&L and 1099 programs mean a complicated tax return doesn’t have to end the conversation the way it does at a retail bank.
First-time buyer programs
CalHFA and other California assistance programs have real eligibility rules. We’ll tell you which ones you actually qualify for rather than listing them all.
Fast enough to matter
Pre-approvals typically in 24–48 hours, and we stay reachable while you’re out looking at houses.
Three steps, no runaround
Tell us your situation
Two minutes. No documents needed to start.
We review your profile
Credit, income structure and the programs you qualify for.
Get your letter
Typically within 24–48 hours, ready to attach to an offer.
Questions California buyers ask us
How fast can I get pre-approved?
Most pre-approvals are issued within 24–48 hours of receiving your documents. If you’re writing an offer this weekend, tell us and we’ll prioritise it.
What credit score do I need?
It depends on the program. FHA can go considerably lower than conventional, and our non-QM options open up further paths. We review your full profile rather than screening on score alone.
I’m self-employed. Can I still qualify?
Yes — this is one of our specialties. Bank statement loans, P&L programs and 1099 products are built for borrowers whose tax returns don’t reflect their real cash flow. No W-2 required.
Does a pre-approval affect my credit?
A pre-approval typically involves a credit pull. Multiple mortgage inquiries inside a short shopping window are generally treated as a single event by scoring models. We’ll explain exactly what happens before anything is pulled.
Write offers with a letter that holds up.
Two minutes to start. No documents, no obligation.
Get Pre-ApprovedOr call (720) 782-8348Mon–Fri, 9am–5pm Pacific
Mango Stock Mortgage LLC — NMLS# 2815478. Licensed mortgage brokerage. Currently licensed to originate in California only. Verify our license at nmlsconsumeraccess.org.
This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting review, income and asset verification, and property appraisal. Terms and programs are subject to change without notice. Not all applicants will qualify.
Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age (provided the applicant has the capacity to contract), or because all or part of the applicant’s income derives from any public assistance program.