Start Your Mortgage Pre-Qualification

Whether you're buying your first home, upgrading, refinancing, or investing — get pre-qualified with a brief personal call. No documents needed for the first conversation.

Start Online Pre-Qualification Call 313-380-4740
Free consultation · No obligation · No credit pull for pre-qualification
CFP® Certified Financial Planner NMLS #2640484 Licensed Michigan Mortgage Broker Serving All 5 Grosse Pointes

How Pre-Qualification Works

Three simple steps. No surprises. We walk you through everything.

1

Quick Conversation

We discuss your goals, timeline, and financial situation. No documents needed — just a conversation to understand what you're looking for.

15–20 minutes
2

Review Your Options

Based on our conversation, we outline the loan programs you're likely to qualify for, estimated rates, and what your monthly payment would look like.

Same call
3

Get Pre-Approved

When you're ready, we collect documentation and issue a verified pre-approval letter that strengthens your offer in Grosse Pointe's competitive market.

24–48 hours

Pre-Qualify No Matter Your Situation

We work with borrowers that traditional lenders often turn away.

First-Time Buyers

New to the process? We'll walk you through every step from pre-qual to closing.

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Move-Up Buyers

Upgrading within the Pointes? We help you time the buy and sell seamlessly.

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Jumbo Buyers

Purchasing above $832,750? We specialize in jumbo financing for Grosse Pointe.

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Self-Employed

Business owner, 1099, or complex income? We have programs built for you.

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Refinancing

Looking to lower your rate, shorten your term, or access equity? Start here.

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Investors

Rental properties, multi-family, or second homes. Financing for your portfolio.

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Ready to Get Started?

Start online or call for a personal conversation — whichever you prefer.

Start Online Pre-Qualification Call 313-380-4740

What to Have Ready

Nothing is needed for the first call. When you move to formal pre-approval, here's what helps speed things up.

W-2 / Salaried Borrowers

  • Most recent pay stubs (30 days)
  • W-2s from the past two years
  • Two months of bank statements

Self-Employed

  • Two years of personal and business tax returns
  • Two months of bank statements

What Clients Are Saying

See reviews on Google and Yelp.

Pre-Qualification FAQ

Does pre-qualification affect my credit score?

No. The initial pre-qualification conversation does not require a hard credit pull. We discuss your financial situation, goals, and options before pulling credit. When you're ready to move forward with a formal pre-approval, a hard inquiry is required, but we'll let you know before that happens.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an initial assessment based on information you provide — it gives you a general idea of what you may qualify for. Pre-approval is a more thorough process where we verify your income, assets, and credit to issue a formal approval letter. A pre-approval letter carries significantly more weight when making an offer on a home.

How long does pre-qualification take?

The initial conversation typically takes 15–20 minutes. If you decide to move forward with a full pre-approval, most borrowers receive their approval letter within 24 to 48 hours of submitting documentation.

What documents do I need for pre-qualification?

Nothing for the first call. We start with a conversation about your goals and financial situation. When you're ready for formal pre-approval, we'll need recent pay stubs or proof of income, two years of tax returns (for self-employed borrowers), bank statements, and a valid ID.

Can I get pre-qualified if I'm self-employed?

Absolutely. We specialize in working with self-employed borrowers, business owners, 1099 contractors, and retirees. We'll identify the right qualification method for your income type during our initial conversation.

Is there any cost or obligation?

No. The pre-qualification consultation is completely free with no obligation. We're here to help you understand your options — whether you're ready to buy today or planning for the future.

Connect with Tetra Home Loans

Follow for mortgage insights, rate updates, and a closer look at the process — without the sales pitch.

Your Next Home Starts with a Conversation

No documents. No obligation. Just clarity on what you can do.

313-380-4740
Start Your Pre-Qualification