This letter certifies that [Client Name] has been PRE-APPROVED for a mortgage loan by Pacific Rate.

After a thorough review and verification of the applicant's income, assets, employment history, and credit report, we are pleased to confirm that they have been approved for a Conventional loan.

This pre-approval is subject to:

• Acceptable property appraisal meeting the purchase price
• Clear title and homeowner's insurance
• No material changes to the borrower's credit, income, or assets
• Final underwriting approval and loan documentation
• Property must meet lender guidelines and be owner-occupied (if applicable)

Pacific Rate is committed to closing this loan within 30 days of an accepted offer, subject to timely receipt of required documentation and satisfactory appraisal.

This pre-approval is valid for 90 days from the date of this letter. If you have any questions or need additional information, please contact me directly at the number below.