Request a Pre-Qualification Letter

想安心“看房就出手”，先拿到预资格信（Pre-Qualification）。这是一封“可信的信号”：

自信看房：明确你的购买力区间，心里有数不焦虑。
提升谈判力：让经纪人与卖方知道你是准备充分的买家。
加速决策：缩短来回沟通时间，专注好房子与好价格。

下面先用你的基本信息计算“最高贷款额 & 最高购房预算”，结果会自动写入信函所需字段；随后一键生成 PDF（含固定公司抬头与签名）。

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)

系统会根据 FICO、LTV、DTI、占用与计划类型推导“指示性利率”和 Max CLTV。

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 ($)

PDF 将自动显示百分比（Down ÷ Price）。

Loan Term (months)

Interest Rate (indicative, %)

Discount Points (%)

Maximum CLTV (%)

Estimated P&I Payment ($)

Estimated PITI ($)

提交后将生成 PDF；公司抬头与签名固定写入。

提示：部分卖方更偏好 Pre-Approval（需材料核验与承保预审）。若需升级，我们会引导你创建安全账户并上传文件。