My Mortgage Company · Bakersfield, CA

Get Pre-Approved Today

Fast pre-approval with no obligation. Know your exact budget, strengthen your offers, and move faster than other buyers. Omar will personally review your application within one business day.

Competitive Offers
Know Your Real Budget
Speed Up Closing

Why It Matters

Why Get Pre-Approved First?

Pre-approval is not just paperwork — it is your biggest competitive advantage in a fast-moving market.

Competitive Offers

Sellers take pre-approved buyers seriously. A pre-approval letter signals you are financially verified and ready to close — not just browsing.

Know Your Real Budget

Pre-approval gives you the exact purchase price, monthly payment, and cash-to-close you qualify for — based on your actual credit, income, and debts.

Speed Up Closing

Financing already underway moves faster. Pre-approved buyers routinely close 7–10 days faster than buyers who start the loan process after going under contract.

Start Your Pre-Approval

Omar will follow up within one business day. No hard credit pull until you authorize it.

Preferred loan type

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Secure application · Takes about 10 minutes · No hard pull until you authorize it

Loan Programs

Which Loan Program Is Right for You?

FHA

First-Time Buyers

3.5% down

580+ credit score

Most popular for first-time buyers. Flexible underwriting, lower down payment requirements.

VA

Veterans & Military

0% down

580+ (lender minimum)

No down payment, no monthly mortgage insurance for eligible veterans and active-duty service members.

Conventional

Strong Credit

3% down

620+ credit score

Better rates for strong credit profiles. PMI automatically drops at 80% LTV.

USDA

Rural Areas

0% down

640+ recommended

Zero-down financing for eligible rural areas. Parts of Kern County may qualify.

Bank Statement

Self-Employed

10% down

620+ credit score

Qualify using 12 or 24 months of bank statements instead of tax returns. Non-QM program.

What Happens Next

From Form to Pre-Approval Letter

1

Submit Form

Fill out the pre-approval form below with your basic information and loan goals.

2

Omar Reviews

Omar L. Ortiz personally reviews your profile and follows up within one business day.

3

Receive Letter

Get your pre-approval letter and a full picture of your purchase power — ready to make offers.

Common Questions

Frequently Asked Questions

How long does mortgage pre-approval take?

My Mortgage Company can issue a pre-approval letter in as little as one business day once we have received your documents. You will need recent pay stubs, two months of bank statements, W-2s (or 12–24 months of bank statements if self-employed), and a soft credit pull authorization.

Does getting pre-approved hurt my credit score?

The initial pre-approval starts with a soft credit pull, which has no impact on your credit score. A hard inquiry only happens when you formally apply for a loan — typically after you are under contract on a home. Under FICO scoring rules, multiple mortgage inquiries within a 45-day window count as a single inquiry.

How long is a pre-approval letter valid?

Most pre-approval letters are valid for 60–90 days. If your letter expires before you find a home, we can typically reissue it quickly with updated documentation. Your financial situation must remain materially unchanged — no new debt, no employment changes.

What documents do I need for pre-approval?

For W-2 employees: two most recent pay stubs, two most recent W-2s, two months of bank statements, and a government-issued ID. For self-employed borrowers: 12 or 24 months of bank statements (no tax returns required for our Bank Statement program). VA borrowers also need a Certificate of Eligibility.

My Mortgage Company, Inc. · CA DRE #02168831 · NMLS #2269164 · Broker: Omar L. Ortiz, NMLS #951384, DRE #02056548. Licensed by the California Department of Real Estate. Loans subject to credit approval. Not all applicants will qualify. Interest rates and program availability are subject to change without notice. All credit score minimums, down payment requirements, and program details shown are representative examples only and are not a guarantee of qualification or loan terms. This is not a commitment to lend. View all loan programs →