Your free rate comparison, from Joann

About 2 minutes, 5 short steps. No credit pull, no SSN.

Your pre-qualification

What you'll get

  • Rates compared across 100+ wholesale lenders
  • An estimate of the price range you can shop in
  • The loan programs that fit your situation
  • Joann, a licensed loan officer, as your contact (not a chatbot)

Free, with no obligation.

Our straight-answer promise

If we can't beat the offer you already have, we'll tell you so plainly. You'll have spent 2 minutes, and nothing else.

NetCORE Investment Group, Inc. dba NetCORE Lending is a licensed California mortgage broker, NMLS# 1484338. Your loan officer is Joann Ton, NMLS# 1461031.

NMLS# 1484338NMLS# 1461031Equal Housing Lender

Your details are sent over an encrypted connection. We do not sell your personal information.

Pre-qualification FAQ

What to know before you start.

No. Our pre-qualification form does not pull your credit at all, not even a soft inquiry. It gives you an estimate of what you can afford. A hard credit pull only happens when you formally apply for a loan.
Pre-qualification is an estimate based on information you report yourself. It takes about 2 minutes and gives you a ballpark. Pre-approval involves a full credit check, income verification, and a review of your documents, so it carries more weight with sellers. We help you through both steps.
The online form takes about 2 minutes. After you submit, a licensed loan officer (not a chatbot) reviews your information and typically follows up within 1 business day with your options.
Just the basics: your estimated credit score range, employment type, approximate annual income, and whether you are buying or refinancing. No SSN or bank statements are needed at this stage.
Nothing. Pre-qualification with NetCORE Lending™ is free, with no obligation. We shop 100+ wholesale lenders to find you the best rate, and that comparison costs you $0.
Yes. We specialize in self-employed borrowers through our Non-QM and bank statement loan programs. You don't need W-2 income to qualify; we can use 12 to 24 months of bank statements instead.