Get Started - South Main Mortgage

Quick Pre-Approval & Current Rates

Get started on your home loan and receive your Free Rate Quote and Pre-Approval Letter. Whether you are ready to purchase a home immediately, or are just starting the home-buying process, we can help you get you pre-approved with our absolute best pricing and rates.

To proceed with our full application, please APPLY NOW.

Pre-Approval Form

Loan Purpose
Property Type
Usage
Timeline
Purchase Price
Borrower Employment
Co-Borrower
Co-Borrower Employment
Pre-Approval Credit Report
Borrower Credit Report
Co-Borrower Credit Report
Debt
Borrower Provided Credit
Co-Borrower Provided Credit
Special Programs
Consent
Contact

Loan Purpose:

Purchase

Cash Out Refinance

No Cash Out Refinance

Construction

Property Type:

Single Family

Townhome

Condo

Co-op

Manufactured

Lot

How will you use this home?

Primary Residence

Second Home

Investment

Other

When do you plan to purchase your home?

1-2 Weeks

30 Days or Less

31-60 Days

61-90 Days

Not Sure

Purchase Price:

If you know the price of the home you are looking for, you may provide the purchase price here.

You may also leave this blank and we can provide you with your maximum pre-approval amount.

Existing Loan Balance:

Estimate Property Value:

What is your employment status?

Full-Time (W2)

Part-Time (W2)

Self-Employed (1099)

Not Employed

What is your Gross Monthly Income:

Your approximate Monthly Gross Income (before taxes or withholdings are taken out) includes your wages, commission, overtime, bonuses, dividends, rental income, alimony or child support, etc.

Will you have a Co-Borrower on the application?

Yes

What is your co-borrower's employment status?

Full-Time (W2)

Part-Time (W2)

Self-Employed (1099)

Not Employed

What is your Co-Borrower's Gross Monthly Income:

Your approximate Monthly Gross Income (before taxes or withholdings are taken out) includes your wages, commission, overtime, bonuses, dividends, rental income, alimony or child support, etc.

Do you want to go ahead with your pre-approval letter?

Yes

Proceed with a soft-pull credit report for your pre-approval?

Yes, please proceed

A soft-credit pull allows us to provide you with the most accurate and confident pre-approval letter. There is no charge for a soft-pull credit report and it will not impact your credit score in any way. Your credit report will be used to evaluate your credit profile to determine which loan program and rates you may qualify for. This also allows us the opportunity to do a preliminary review your account/payment/credit history. Please note, due to contractual limitations, we are not able to share your specific credit score with you.

If you are interested in current rates and loan programs without pre-approval, please select No and you can provide your estimated credit score. Free services such as Credit Karma or Experian (Experian offers a free credit report here) can be used to obtain your score. Please note, accuracy varies with the free credit services.

Your Social Security Number:

Your Date of Birth (DD/MM/YYYY):

Your Current Address

Address Line 1

City

State

Zip Code

We use industry standard, bank-level 256-bit encryption. Your data will only be stored for a limited time as required by compliance and regulations.

Co-Borrower's Social Security Number:

Co-Borrower's Date of Birth (DD/MM/YYYY):

We use industry standard, bank-level 256-bit encryption. Your data will only be stored for a limited time as required by compliance and regulations.

What is your estimated Monthly Debt Obligation?

What is your Co-Borrower's estimated Monthly Debt Obligation?

Your Monthly Debt includes:

Monthly alimony or child support payments
Revolving loans such as student, auto, and other monthly loan payments
Credit card monthly payments (use the minimum payment)
Do Not Include Cell Phone, Utility Bill, Gym Memberships, or anything that can be cancelled, etc.

What is your credit score?

Your credit score is determined by your (and/or your co-borrower's) middle credit score from the 3 major credit bureaus. Experian offers a free credit report here. Free services such as Credit Karma, may or may not be accurate.

What is your Co-Borrower's credit score?

Select any of the following if they apply to you or your co-borrower (Optional):

First-Time Homebuyer

First-Responder

Veteran/Military

Public School Teacher or Librarian

School Counselor or Nurse

Select if you are interested in these additional loan programs (Optional):

Down-Payment Assistance Programs

One-Time Close New-Construction

You may qualify for special loan programs based on your selections above.

BORROWER AUTHORIZATION TO OBTAIN CREDIT REPORT:

I authorize South Main Mortgage to obtain a pre-qualification ("soft-pull") consumer credit report through Advantage Credit.

I understand that the credit report obtained is to be used solely in the processing of the mortgage loan qualification and that this information may only be shared other agencies that have a direct connection with the processing of the mortgage loan application.

This authorization expires 120 days from the date indicated below.

FEDERAL EQUAL CREDIT OPPORTUNITY ACT:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this company is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3710, Houston, Texas 77010

I have read and agree to the Electronic Signatures Disclosure and consent to the use of electronic documents, e-mail delivery of documents, and electronic signatures.

I agree to allow South Main Mortgage to obtain my pre-qualification ("soft-pull") consumer credit report.

I agree, and I am authorized by the co-borrower on this form, to allow South Main Mortgage to obtain a pre-qualification ("soft-pull") consumer credit report for my co-borrower.

Your First Name

Your Last Name

Co-Borrower First Name

Co-Borrower Last Name

Phone Number

Property Zip Code (if applicable):

Click Get Started below and a mortgage expert will provide you with your personalized rates and loan options.

You can also reach us any time at 1-888-850-1525 or info@southmainmortgage.com. We look forward to working with you!

Your contact information will NOT be shared with any third-party and will be used only by South Main Mortgage in relation to your home loan. Your communication preferences and privacy will ALWAYS be honored, including any request to opt-out of further communication. We hope to earn your business by being transparent, honest and being attentive to helping you achieve your goals.

Please note, to ensure complaince, by entering your contact information, you are providing consent for South Main Mortgage to contact you at the email and/or number you provided, even if you are registered on a corporate, state, or federal Do Not Call list. We will always honor any request to opt-out from future communication at any time.

NMLS# 2413722 | NMLS# 2426926

* Published Rate Disclosure

FHA: CALL

USDA: CALL

VA: CALL

Conv: CALL