Request a Pre-Qualification Letter

Want to tour homes with confidence and be ready to make an offer? Start by getting a Pre-Qualification Letter.
It's a "credible signal" that:

Boosts your confidence when house hunting: Clearly defines your purchasing power so you know your budget and feel less stressed.
Strengthens your negotiating position: Lets agents and sellers know you are a well-prepared buyer.
Speeds up decision-making: Reduces back-and-forth communication so you can focus on the right home and the right price.

Below, we’ll first use your basic information to calculate your “maximum loan amount and maximum home purchase budget”. The results will be automatically filled into the required fields of the letter, and with one click, a PDF will be generated (with a fixed company letterhead and signature).

Golden Gate Realty & Finance Inc.
NMLS ID: 2776762
Office: 1900 S Norfolk St, Suite 350, San Mateo, CA 94403
Mailing: 640 Masonic Way, Unit 849, Belmont, CA 94002
Phone: (408) 676-8178

Loan Officer: Alan Wen │ NMLS ID: 356521
Email: alanwen@goldengate365.com

Step 1 · Calculate Buying Power

Occupancy Type

Loan Program

Loan Term

FICO Score (self-reported)

Gross Monthly Income ($)

Total Monthly Debt ($)

Property Tax (Monthly) $

Homeowner’s Insurance (Monthly) $

HOA Dues (Monthly) $

Down Payment ($)

Discount Points (%)

Target Max DTI (Back-End)

The system will estimate an indicative interest rate and max CLTV based on your FICO score, LTV, DTI, occupancy, and loan program.

Indicative Rate (Par)

–

Max Loan Amount

–

Estimated Sales Price (Max)

–

Step 2 · Borrower

Borrower Full Legal Name(s) Current Address

Borrower Email (to receive the PDF, optional)

Borrower Phone (optional)

Step 3 · Letter Fields (pre-filled from Step 1)

Occupancy Type

Purpose

Loan Type / Program

County (e.g., San Mateo, CA)

Property Type

Estimated Loan Amount ($)

Estimated Sales Price (Max) ($)

Estimated Down Payment ($)

The PDF will automatically display the percentage (Down ÷ Price).

Loan Term (months)

Interest Rate (indicative, %)

Discount Points (%)

Maximum CLTV (%)

Estimated P&I Payment ($)

Estimated PITI ($)

After submission, a PDF will be generated; company letterhead and signature will be fixed.

Note: Some sellers prefer Pre-Approval (requires document verification and underwriting review). If you need to upgrade, we will guide you to create a secure account and upload your documents.