---
title: Get Pre-Qualified | Surest Loans
description: "Get pre-qualified for a California home loan in under 2 minutes. No credit pull. Licensed by CA DFPI. NMLS #2640412."
---

Surest Loans · NMLS #2640412 · CA DFPI Licensed · Equal Housing Lender

[(213) 867-4223](tel:+12138674223)   Mon–Fri 8am–6pm PT

[![Surest Loans](data:image/png;base64,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) SUREST LOANS California Mortgage Brokerage](https://www.surestloans.com/?hsLang=en) [Call (213) 867-4223](tel:+12138674223)

California Home Loans · NMLS #2640412

# Get pre-qualified in *60 seconds.*

 No credit pull required. A licensed California loan officer will reach out within one business hour. Wholesale pricing — no retail markup.

- No credit pull — your score stays safe
- Wholesale rates — no retail markup
- Pre-approval in as little as 24 hours
- Conventional, FHA, VA, jumbo & Non-QM programs
- Self-employed? Bank statement programs available

 NMLS #2640412

 CA DFPI Licensed

 LO response \<1 hour

 256-bit secure

## Start Your Pre-Qualification

Takes 60 seconds · No credit pull · No obligation

Step 1 of 3

Loan type

What are you looking for?

Select your goal — we’ll match you to the right program.

Buy a Home

Primary or second home

Refinance

Lower rate or payment

Cash-Out Refi

Access home equity

HELOC / Equity

Tap equity, keep rate

Estimated purchase price or home value Select a range Under $300,000 $300,000 – $500,000 $500,000 – $750,000 $750,000 – $1,000,000 $1,000,000 – $1,500,000 Over $1,500,000

Estimated credit score Select a range 760+ — Excellent 720–759 — Very Good 680–719 — Good 640–679 — Fair 580–639 — Below Average Below 580 Not sure

Estimate only — no credit pull required.

 Continue

 No credit pull  ·  256-bit encrypted  ·  No obligation

Down payment (purchase loans) Select or skip if refinancing 3% — Conventional / FHA minimum 5% 10% 15% 20% — Avoids mortgage insurance 25% or more 0% — VA (eligible veterans) Not applicable — refinance

Primary income type Select income type W-2 employee — traditional income Self-employed / business owner 1099 contractor Retired / fixed income Other

Self-employed? We have bank statement programs — no tax returns required.

When do you want to close? Select a timeframe As soon as possible — 0–30 days 1–3 months 3–6 months 6–12 months Just exploring options

Property city or zip code

 Continue

← Back

First name

Last name

Email address

Phone number

A licensed loan officer will reach you within 1 business hour.

Your information is encrypted and never sold. By submitting you consent to be contacted by a licensed Surest Loans loan officer. See our [Privacy Policy](https://www.surestloans.com/privacy?hsLang=en).

 Get My Free Rate Quote

← Back

## You’re all set, *there*.

 Your pre-qualification is submitted. A licensed loan officer will reach you at the number you provided within **1 business hour**. Check your email for a confirmation. 

[Can’t wait? Call (213) 867-4223](tel:+12138674223)

Mon–Fri 8am–6pm PT  ·  Surest Loans  ·  NMLS #2640412

NMLS #2640412

California DFPI licensed

Equal Housing Lender

Consumer-purpose residential mortgages

Powered by Arive

#### LO response within 1 hour

A licensed California loan officer reviews your submission and reaches out during business hours — no automated voicemail maze.

#### No credit pull required

This pre-qualification uses a soft inquiry only. Your credit score is safe. A hard pull only happens when you formally apply.

#### Wholesale pricing only

Surest Loans is a broker, not a bank. We shop your loan across our lender panel to find the best available rate — with no retail markup.

 Surest Loans is a DBA of Adel Capital Group LLC  ·  NMLS #2640412  ·  Licensed by the California Department of Financial Protection and Innovation  ·  Equal Housing Lender  ·  Consumer-purpose residential mortgage loans only  ·  This is not a commitment to lend. Rates, terms, and availability subject to change without notice  ·  (213) 867-4223  ·  Mon–Fri 8am–6pm PT  ·  [Privacy Policy](https://www.surestloans.com/privacy?hsLang=en)

Equal Housing  
Lender

NMLS  
#2640412

CA DFPI  
Licensed