Get Pre-Qualified
in Under 4 Minutes
Two paths to get started, a lightning-fast digital pre-qual letter with no credit impact, or a full pre-approval with complete document review and a personalized strategy report. Both are free.
Quick Pre-Qual
Answer a few simple questions and receive a Prequalification Letter emailed directly to you, in under 4 minutes. No hard credit pull. Best for well-qualified buyers who need a quick letter in a fast-moving market.
- Takes under 4 minutes
- Letter emailed directly to you
- No hard credit pull
- Best for well-qualified, experienced buyers
Free · No obligation · No credit impact
Full Pre-Approval
A comprehensive review of your full application, documents, credit report, and automated underwriting, plus a personalized strategy report built in MortgageMaker.ai. This is the gold standard when you're ready to compete.
- Full document & income review
- Preliminary AUS approval
- Personalized strategy report
- Strongest offer in any market
Includes a hard credit inquiry · Best for active buyers competing in today's market
Before you start the full application, a few tips from RJ
Unfreeze your credit
This is the #1 thing people forget. If your credit is frozen at Equifax, Experian, or TransUnion, the application can't pull your report. Unfreeze it first, it only takes a few minutes online.
Have your PDFs ready
The portal lets you upload documents securely. Have your last 2 pay stubs, 2 years of W-2s, and last 2 bank statements handy. Self-employed? Add 2 years of tax returns.
Get stuck? Text me.
Some fields may look unfamiliar, don't stress. The info shown is a placeholder to guide you, not a pre-filled answer. If anything trips you up, just text RJ directly and he'll walk you through it.
Want the full step-by-step walkthrough? View the Pre-Approval Cheat Sheet →
A Quick Pre-Qual letter is based on self-reported information and does not constitute a loan commitment or guarantee of financing. RJ recommends following up with a full application to confirm your qualification. Equal Housing Lender. Canopy Mortgage, LLC.