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What’s The Difference Between
Pre-Qualification And Pre-Approval?

Although pre-qualification and pre-approval are sometimes used interchangeably, it’s important to know the difference and when you’ll need them during your home buying journey.


Before you begin your house hunt, it’s important to get pre-qualified. It quickly helps you (and your agent) determine your budget so you can shop for the home of your dreams with confidence. A pre-qualification entails:

  • A preliminary review of your financial information
  • No documentation needed
  • Quickly identifies what you can afford

In just a couple of minutes, we can provide you with your pre-qualification. Let the shopping begin!


Once you have found your dream home, get a pre-approval. This shows that you are serious about submitting an offer and ready to move on to the loan application process. Obtaining a pre-approval includes:

  • A thorough review of finances
  • Submitting full documentation (such items as employment history, credit information, bank statements and tax returns)
  • An approval of a specific loan amount

Once all the information is submitted, we will provide your pre-approval the next business day.

Get Your Instant Rate Quote Below To Get Started.

See What Other Customers Are Saying…


My experience with AmeriHome has been a 5 star experience all the way. Mimi Le, the loan officer, was very personable and made sure that every question that I had was answered with a smile. The assistant, Elsie Barajas, continued this experience very professionally and gracefully and the processor, Kenneth Ornelas, got me to the finish line with making sure that I was 100% satisfied. Overall the customer service was red carpet all the way. I’m glad to have worked with such professionals and friendly team. I would refer AmeriHome to my family, friends and loved ones.

~ Twana R.


What a pleasant loan process from application to signing. Loan consultant worked with me every step of the way to find the best solution for my needs, explained everything clearly, made sure everything went smooth. Highly recommend AmeriHome Mortgage. Thanks for the great service.

~ Kyle


This has been such a delightful process. The team that assisted in our Loan process was the best I have ever encountered. We were always aware of what was going on. The loan [officer] Sean Grote and his assistant Aryana Mata not only contacted us through email but also made personal phone calls to keep us informed. They made sure all our questions were answered. The processor Marie [Eliasson] that completed the loan was always available, very professional and a pleasure to work with. I will recommend this company!!!!!

~ Tina-Tim Wood

Your Better Home Loan…
Designed Just For You!

Give us a call and a Home Loan Expert will guide you through your purchase options.

Call your home loan expert at:

Customer Support

  • Customer Service for existing accounts:
  • 888.469.0810
  • Mon-Fri 8am-5pm Pacific
  • Mortgage refinance application and status:
  • Thousand Oaks, CA 91362-3888
  • 844.272.5617
  • Address

  • AmeriHome Mortgage Company, LLC
  • NMLS ID 135776
  • Company Headquarters
  • 1 Baxter Way, Suite 300
  • Thousand Oaks, CA 91362-3888
  • AmeriHome Mortgage A Western Alliance Bank Company Logo In White


    Top Workplaces Award 2021
    Better Business Bureau Accredited Business A+ Rating
    Better Business Bureau Accredited Business A+ Rating
    Top Workplaces Award 2021

    *By refinancing, your total finance charge could be higher over the life of the loan.

    ©2024 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.