What’s The Difference Between
Pre-Qualification And Pre-Approval?
Although pre-qualification and pre-approval are sometimes used interchangeably, it’s important to know the difference and when you’ll need them during your home buying journey.
Pre-qualification
Before you begin your house hunt, it’s important to get pre-qualified. It quickly helps you (and your agent) determine your budget so you can shop for the home of your dreams with confidence. A pre-qualification entails:
- A preliminary review of your financial information
- No documentation needed
- Quickly identifies what you can afford
In just a couple of minutes, we can provide you with your pre-qualification. Let the shopping begin!
Pre-approval
Once you have found your dream home, get a pre-approval. This shows that you are serious about submitting an offer and ready to move on to the loan application process. Obtaining a pre-approval includes:
- A thorough review of finances
- Submitting full documentation (such items as employment history, credit information, bank statements and tax returns)
- An approval of a specific loan amount
Once all the information is submitted, we will provide your pre-approval the next business day.
Why Finance
With AmeriHome?
No Nonsense, No Hidden Fees, No Wasted Time.
Make a Decision About Your Mortgage With Confidence.
Safe And Secure
We protect your data while it’s at rest or in transit with a defensive in-depth cybersecurity strategy.
Transparent Pricing
What you see is what you get. We provide a clear explanation of loan costs and won’t surprise you with extra fees or hidden add-ons.
Service And Loan Assistance
Our loan officers will be there for you every step of the way, helping you find a finance package that works with your lifestyle.
No Pre-Payment Penalties
Pay off all of your debt as fast as you can, with no penalty. At AmeriHome, it’s our job to help you own your home free and clear, as fast as you can.
See What Other Customers Are Saying…
CUSTOMER SERVICE WAS RED CARPET
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My experience with AmeriHome has been a 5 star experience all the way. Mimi Le, the loan officer, was very personable and made sure that every question that I had was answered with a smile. The assistant, Elsie Barajas, continued this experience very professionally and gracefully and the processor, Kenneth Ornelas, got me to the finish line with making sure that I was 100% satisfied. Overall the customer service was red carpet all the way. I’m glad to have worked with such professionals and friendly team. I would refer AmeriHome to my family, friends and loved ones.
~ Twana R.
HIGHLY RECOMMEND AMERIHOME
”
“
What a pleasant loan process from application to signing. Loan consultant worked with me every step of the way to find the best solution for my needs, explained everything clearly, made sure everything went smooth. Highly recommend AmeriHome Mortgage. Thanks for the great service.
~ Kyle
I WILL RECOMMEND THIS COMPANY
”
“
This has been such a delightful process. The team that assisted in our Loan process was the best I have ever encountered. We were always aware of what was going on. The loan [officer] Sean Grote and his assistant Aryana Mata not only contacted us through email but also made personal phone calls to keep us informed. They made sure all our questions were answered. The processor Marie [Eliasson] that completed the loan was always available, very professional and a pleasure to work with. I will recommend this company!!!!!
~ Tina-Tim Wood
Be A Part Of
AmeriHome Rewards
With our AmeriHome Rewards program, when you finance a loan with us ONCE, you’ll save $1,295 on ALL future refinances or home purchases.* See Details.
Get Started Now.
Contact your Home Loan Expert to learn more.
We’ll Work At Your Pace.
We Deliver Loans At The Speed Of You!
Be sure to give us a call to speak with one of our Home Loan Experts about your customized home finance evaluation and getting the perfect home loan.
Lets Get Started!
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*By refinancing, your total finance charge could be higher over the life of the loan.
©2025 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.