The McDermott TeamNEXA Lending
Modern desert home at dusk in Arizona

Before you shop

Pre-approval vs pre-qualification

Same starting conversation. One extra step — reviewing documents — is what turns a rough estimate into a written conditional letter sellers recognize. I’ll walk you through both.

Apply NowTalk to Michael

Purchase and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk. HELOC applications run on Axen from the HELOC page.

(602) 694-5279

I’m a broker with NEXA Lending: one application, one credit pull, access to 300+ lenders. I’ll walk the guidelines that fit your situation.

Pre-qualification

Think estimate

  1. 1 · Call
    Talk with a loan officer.
  2. 2 · Application
    Often light; credit may or may not be pulled.
  3. 3 · Review call
    Verbal income, assets, and debts → rough price and down payment.

Result: estimate. Useful — and easy to get wrong if income is calculated differently later.

Think estimate. Easy to start. Expensive to be wrong if you shop on it alone.

Pre-approval

Think offer-ready

  1. 1 · Call
    Buyer consultation.
  2. 2 · Application
    Online, about 8 minutes.
  3. 3 · Document review — the extra step
    Supporting docs in; income calculated the lender way; large deposits sourced; pitfalls caught early.
  4. 4 · Conditional pre-approval
    Written letter + realistic price/down-payment range. I present your situation across 300+ lenders when it fits.

Result: written conditional letter. As solid as it gets this early for shopping and offers.

Still subject to underwriter review, appraisal, and final conditions. Not a commitment to lend. Holds unless something material changes (job loss/change, income drop, spending the down payment, or similar) — and the home must still meet property standards.

That one extra step — reviewing the documents — is what turns a conversation into a letter.

Broker framing

You’re not collecting five conflicting pre-approvals to “beat” a system. With me: one application, one credit pull, and I walk your situation through guidelines across 300+ lenders. Prefer eyes on the path first? Talk works. Ready? Apply.

Where to go next

FAQ

Is pre-qualification the same as pre-approval?

No. Pre-qualification is usually a conversation estimate. Pre-approval adds document review and typically a written conditional letter.

Does pre-approval guarantee I’ll get the loan?

No. It’s conditional — still subject to underwriting, appraisal, and final conditions. It’s not a commitment to lend.

Will you pull my credit more than once?

My process is built around one application and one credit pull while I work your situation across 300+ lenders. Other companies’ processes can differ.

Can I talk before I apply?

Yes. Use Talk to Michael on Calendly, or call/text (602) 694-5279.

Where are you licensed?

Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas.

Apply NowTalk to Michael

Licensed in Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas. NEXA Lending · NMLS 184065.