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Pre-Approval · Soft Credit Review · No Obligation

Get pre-approved without touching your credit score.

A secure application you can finish in about fifteen minutes, from your phone. It begins with a soft credit review, which does not affect your score. A licensed loan officer reads your file personally — not an algorithm.

Start My Pre-Approval Rather Talk First?

Kings of Lending · Victor Salazar, NMLS #2052157
Licensed in 11 states · Powered by E Mortgage Capital, Inc., NMLS #1416824

Your score is safeStarting uses a soft credit review only. A hard credit check happens later, and only when you decide to move forward.
About fifteen minutesSave your progress and come back whenever you like. Nothing is lost if life interrupts.
No obligation, everBeing pre-approved does not commit you to a loan, a lender, or a house.
A real person reads itYour file is reviewed against more than 150 lender programs by a licensed mortgage broker.
★4.9 on Google ✓Soft credit review ✓Secure encrypted portal ✓Self-employed & ITIN welcome ✓Free ebook when you apply

Before You Press The Button

“Will this hurt my credit?”

It is the first question almost everyone asks, and for a lot of people it is the only reason they never start. So rather than bury the answer in fine print, here is Victor answering it directly — what a soft credit review actually is, why it leaves your score untouched, and why a lower score does not end the conversation before it begins.

  • A soft review does not affect your credit score
  • A hard check happens only when you choose to proceed
  • Lower credit profiles are reviewed, not dismissed

Victor Salazar · NMLS #2052157

Any credit score mentioned in this clip is illustrative, not a qualification standard. Credit requirements differ by program and by lender, and every file is subject to underwriting and credit approval.

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What Happens After You Click

No surprises. Here is the whole thing.

The button below takes you to our secure application portal — the same industry-standard platform used by professional lenders across the country. Knowing exactly what is on the other side is the point of this section.

I

You answer questions

Name, income, the property you have in mind. Roughly fifteen minutes, on your phone, saved as you go.

II

A soft credit review

Enough to see where you genuinely stand. It does not affect your score, and it is the only credit step at this stage.

III

Your file is read

By a licensed loan officer, against more than 150 lender programs — including the ones a single bank cannot offer you.

IV

You get real numbers

Specific figures and an honest recommendation, including if the answer is that waiting would serve you better.

150+Lender Programs
11States Licensed
49States Via E Mortgage Capital
4.9Google Rating

Worth Having Nearby

You do not need any of this to begin.

You can start with nothing but your name and a few minutes. These simply speed things up later, and none of them are required to press the button.

01Recent pay stubs, or your last two years of tax returns if you are self-employed
02Bank statements — twelve to twenty-four months for a bank statement program
03A rough idea of the purchase price or current value
04Photo identification, or an ITIN letter if you do not have a Social Security number
05A profit and loss statement, for business owners using a P&L program
06Nothing at all, if you would rather just start and gather documents afterwards

Who This Is Built For

Especially if a bank has already made you feel like a problem.

A retail bank offers you the products a retail bank happens to sell. A mortgage broker reads your situation and goes looking. If your income is real but does not fit neatly on a W-2, that difference is the whole ballgame.

Kings of Lending is a licensed mortgage broker working with more than 150 mortgage lenders, so a single decline is never the end of the search. The team is licensed in California, Nevada, Arizona, Texas, Florida, Colorado, Illinois, Indiana, Iowa, New Jersey and Virginia, and through E Mortgage Capital, Inc. loans can be placed in forty-nine states. Wherever you are, you work with a named loan officer rather than a call centre.

Self-employed and 1099

Your tax return is built to show less than you actually earn, and that is exactly what a bank judges you on. Bank statement and profit and loss programs document income a different way.

ITIN and foreign nationals

A Social Security number is not the only path to owning a home. ITIN mortgage programs exist, and they are reviewed individually rather than screened out automatically.

Investors and second homes

DSCR programs qualify on what the property earns rather than on your personal income, which changes what is possible when you already carry other mortgages.

First-time buyers

Nobody expects you to know the vocabulary. The questions you are embarrassed to ask are the ones worth asking, and asking them costs nothing here.

Turned down elsewhere

A decline is one lender applying one set of guidelines. It is not a verdict on you. Difficult files are the specialty, not the exception.

Anyone comparing options

Being pre-approved does not commit you to anything. It tells you what you can actually do, which is the only way to shop for a home honestly.

★★★★★

4.9 on Google, and 100+ families guided.

“I didn’t want to hurt my credit score just to see if I qualified, but Kings of Lending made it easy. The soft pull gave me answers right away. No pressure, no games.”

Google review

“I never thought I could buy a home with just my ITIN, but Kings of Lending made it happen. The process was clear and fast. I’m now a proud homeowner!”

Google review

“Victor Salazar is very friendly and knowledgeable. He took the time to listen to our needs and cater to our situation. I would highly recommend him!”

Google review

Before You Start

Questions people ask us first.

Does getting pre-approved hurt my credit score?
Starting your application uses a soft credit review, which does not affect your credit score. A hard credit check happens later in the process, and only when you have decided to move forward. You will know before it happens.
How long does a mortgage pre-approval take?
The application itself takes roughly fifteen minutes and can be saved and resumed. Reviewing your file against available lender programs happens afterwards, so you receive specific numbers rather than a guess made live on the phone.
What is the difference between pre-qualified and pre-approved?
Pre-qualification is an estimate based on what you say about yourself. Pre-approval involves documenting your income, assets and credit, so a seller can take it seriously. In competitive markets that difference decides whether an offer gets read.
Can I get pre-approved if I am self-employed?
Yes. Bank statement programs qualify a borrower on twelve to twenty-four months of deposits, and profit and loss programs document income from a statement prepared for your business, instead of relying on a tax return built to minimise taxable income.
Can I get pre-approved with an ITIN and no Social Security number?
In many cases, yes. ITIN mortgage programs and financing for foreign nationals make homeownership possible without a Social Security number. Every situation is reviewed individually against available programs and eligibility guidelines.
Do I need perfect credit to get pre-approved?
No. Different programs are built for different credit profiles. Part of the work is finding the one that fits your current position, and being told plainly if waiting a few months would put you in a materially better place.
Does being pre-approved commit me to anything?
No. A pre-approval is information, not a contract. It does not commit you to this lender, to any loan, or to buying a house. You are free to walk away at any point, and plenty of people do.
Which states can Kings of Lending work in?
The Kings of Lending team is licensed in eleven states: Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia. Through E Mortgage Capital, Inc., loans can be placed in forty-nine states, every state except New York.
What does it cost to get pre-approved?
Nothing. There is no charge to apply and no charge for the conversation that follows. If a loan eventually closes, the costs are disclosed to you in writing, in advance, as the law requires.

Fifteen Minutes, Starting Now

Find out what you can actually do.

A soft credit review, a secure application, and a licensed loan officer who reads it personally. Your score stays where it is, and you are under no obligation at the end of it.

Start My Pre-Approval Book A 15-Minute Call

Both are free and neither commits you to anything. The application takes about fifteen minutes and starts with a soft credit review; the call takes fifteen minutes and involves no credit check at all.
Questions before either? Call or text (714) 276-6155

Kings of Lending · Victor Salazar, NMLS #2052157 · Powered by E Mortgage Capital, Inc., NMLS #1416824 · Equal Housing Lender
The Kings of Lending team is licensed in 11 states. E Mortgage Capital, Inc. lends in 49 states — every state except New York.
Nothing on this page is an offer, a commitment to lend, or an assurance that any application will be approved. A pre-approval is not a loan commitment. Program availability, terms and eligibility vary by lender, property type, occupancy and state, and are subject to change without notice. All loans are subject to underwriting and credit approval. Not all applicants will qualify. Credit requirements differ by program and by lender.

Start My Pre-Approval Soft credit review · 15 minutes · No obligation