This letter is to confirm that [Client Name] has been pre-qualified for a mortgage loan with Pacific Rate.

Based on a preliminary review of their financial profile, including income, assets, and credit history, the applicant(s) are qualified for a Conventional loan up to $0.

Please note that this is a pre-qualification, not a pre-approval. Pre-qualification is based on preliminary information provided by the applicant(s) and does not constitute a commitment to lend. Full loan approval is subject to verification of income, assets, employment, credit, appraisal, and other conditions.

Pacific Rate shops over 10 wholesale lenders to find the best possible rates and terms for our clients. We are committed to helping [Client Name] secure financing for their home purchase.

This pre-qualification is valid for 60 days from the date of this letter and is contingent upon no material changes to the applicant's financial situation.

Should you have any questions or require additional information, please do not hesitate to contact me directly.