How to Get Pre-Qualified
Most people need to meet 2 out of 3 key requirements to qualify for a mortgage. My goal is to make the process easier to understand by giving you the information and support you need to feel confident and informed every step of the way.
Assets
This refers to the money you have saved for your down payment and any extra funds set aside as reserves. The down payment is the amount you put toward the home upfront, usually between 0% and 20% of the price, and it plays an important role in helping you qualify for a mortgage.
Income
We review your income to make sure it’s steady, consistent, and enough to repay the loan. This includes reviewing W2s, pay stubs, tax returns, bank statements, or other documents that help show a clear picture of your earnings over time.
Credit
Your credit score and credit report are important because they affect the loan terms and interest rate a lender can offer. A stronger credit profile can lead to better options and lower costs, potentially saving you thousands over the life of the loan.
We are here to help. Reach out anytime.
Whether you are reading one of our guides or meeting with us one-on-one, our goal is to make home financing easier to understand. We take the time to walk you through your options so you can choose the loan that truly fits your needs and goals.
Educate, Empower, Own:
Your Path to Homeownership
Hi, I’m Nikki Hauser. Buying a home is a big milestone, and my goal is to make the process feel simple and stress free. That’s why we created The Ultimate Guide to Buying a House — a free resource to help you get started with confidence.
I began my career in outreach and education for food banks, where I taught people how to stretch their financial resources. Today, I bring that same heart and strategy to mortgage lending, helping turn obstacles into clear steps toward homeownership.
Download the guide to begin your journey. We believe education and empowerment make all the difference. Let’s move toward your homeownership goals together.
Helping you feel informed and confident is at the core of everything we do.