---
title: Get Pre-Qualified for a Home Loan | Surest Loans
description: "Get pre-qualified for a California home loan in 60 seconds. No credit pull. Purchase, refinance, FHA, VA, and jumbo loans. 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

# Your home loan, *done right* from day one.

 Get pre-qualified in 60 seconds. No credit pull required. A licensed California loan officer will reach out within the hour.

- No credit pull — your score is safe
- Wholesale rates — no retail markup
- Pre-approval in as little as 24 hours
- Conventional, FHA, VA, jumbo & Non-QM programs

 NMLS #2640412

 CA DFPI Licensed

 Respond within 1 hour

 256-bit secure

## Get Pre-Qualified Today

Takes 60 seconds · No credit pull · No obligation

Step 1 of 3 — Loan type 33%

What are you looking for?

Select your loan purpose to get started.

Buy a Home

Refinance

Cash-Out Refi

HELOC / Equity

Estimated property value / purchase price 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

 Continue

No credit pull. Your information is secure.

A little more about you

Helps us match you to the right loan program.

When are you looking to close? Select a timeframe As soon as possible (0–30 days) 1–3 months 3–6 months 6–12 months Just exploring

Primary income type Select income type W-2 employee (traditional income) Self-employed / business owner 1099 contractor Retired / fixed income Investor (rental income) Other

Property location (city or zip code)

 Continue

← Back

Almost there — how do we reach you?

A licensed loan officer will contact you within 1 hour during business hours.

First name

Last name

Email address

Phone number

We'll use this to reach you quickly — usually within 1 hour.

 Your information is encrypted and never sold. By submitting, you consent to be contacted by a Surest Loans licensed loan officer. See our Privacy Policy.

 Get My Free Rate Quote

← Back

### You’re pre-qualified!

Thank you. A licensed Surest Loans loan officer will reach out within **1 business hour**. Check your email for a confirmation.

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

24 hrs

Pre-approval  
turnaround

1 day

Clean file  
intake SLA

100%

Wholesale pricing —  
no retail markup

\<1 hr

LO response  
during business hours

CA

DFPI licensed  
brokerage

Borrower stories

## Real people. Real closings.

Replace with verified Google or Zillow reviews before launch. These placeholders demonstrate placement and format.

★★★★★

“I thought the process would take months. Surest Loans had my pre-approval ready in 18 hours. My loan officer answered every question I had and never rushed me.”

Sarah M.

First-time homebuyer · Los Angeles, CA

 Closed in 24 days · Conventional purchase

★★★★★

“Self-employed for 8 years — every lender I tried turned me away. Surest found a bank statement program that worked perfectly for my situation. No stress, clear communication.”

David R.

Business owner · Sacramento, CA

 Approved via bank statement program · Non-QM

★★★★★

“Refinanced to lower my rate and pull cash out for renovations. The entire process was handled start-to-finish in 21 days. Transparent fees, no surprises at closing.”

Lisa T.

Homeowner · San Diego, CA

 Closed in 21 days · Cash-out refinance

The process

## From pre-qual to close — here’s what happens next.

01

#### Pre-qualify (right now)

Fill out the 60-second form above. No credit pull, no obligation. Tell us your loan purpose and financial picture.

→

02

#### Speak with your LO

A licensed California loan officer reaches out within 1 hour. They'll review your options, lock your rate, and collect documents.

→

03

#### Close with confidence

Your file goes through our operations machine — clean intake, fast underwriting, clear-to-close in days, not months.

Ready to start?

## Get your rate quote in 60 seconds.

No credit pull. No obligation. A licensed loan officer will follow up within 1 business hour.

[Start My Pre-Qualification](https://www.surestloans.com/get-pre-qualified-today-surest-loans#top) [or call (213) 867-4223](tel:+12138674223)

 Surest Loans · 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. Not available in all states. All loans subject to credit approval. (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