We'll help you take the next step toward owning a home.
We've combined speed & state-of-the-art security to create the best preapproval process.
After steps 1 to 3 are completed, Joshua will contact you to review your preapproval & free credit analysis!
Step 1: Submit basic information.
Step 2: Once Joshua reviews, you will receive Account Activation email.
Step 3: Upload needed documents to finalize preapproval.
Click START MY PREAPPROVAL below. Results within minutes in most cases.
I'm interested in getting preapproved BUT...
Will a preapproval inquiry HURT my credit?
Just about everyone knows their FICO score these days courtesy of our credit card statements or credit monitoring like Credit Karma. Don't be afraid to start a mortgage preapproval. In most cases, the credit inquiry has little to no impact on your scores (1-2 pts). A credit card inquiry is far more damaging to scores because a housing-related inquiry is viewed as more of a need, not a luxury like that Macy's card.
Short Answer: After a decade in finance, Joshua is a credit ninja.
A lot of new homebuyers think that they need 20% to buy a home but that simply is NOT true. Most mortgage programs allow as little as 3.5% to 5%, and a first-time buyer program called Home Ready can allow qualifed buyers to put down 3%. Suppose you buy a $250,000 house with 3.5% down, that equates to $8750; you'll have other closing costs but you may also get other credits from the seller and lender that can reduce costs significantly.
Short Answer: YES
We're PASSIONATE about helping people take control of their finances. At eClick, we're able to help our clients plot a course to strategically improve and in many cases, rapidly boost credit. We do NOT charge any upfront credit report/analysis fees and can also connect you with several trusted partners that can repair credit*. Let's start your preapproval and discover how to get you on a path to homeownership!
"Loved working with Joshua! He was friendly, honest, and helpful."
"Loved working with Joshua! He was friendly, honest and helpful. He guided me through my first home buying experience. I was purchasing a home 2000 miles away but Josh knew what I needed to do. I would recommend him."
-Carrie W. (Zillow review)
"Josh was very patient, knowledgeable, and responsive. He has a high level of integrity. My husband and I were first time homebuyers and our purchase was going to be an investment property too (rental) so Josh's experience with this type of purchase was reassuring and appreciated."
-Todd C. (Zillow review)
"Outstanding! Josh was always available when I needed to discuss important issues. Very ethical, knowledgeable, and trustworthy. I would recommend him to anyone needing a broker and will use him again if I need a broker."
Don't speak "mortgage"? We do! Applying for a mortgage can be confusing and we're here 24/7 to answer any question you might have.
Joshua Champneys - Producing Branch Manager - 6309913340 - NMLS #1156263 - IL: 031.0037450 CA: CA-DBO1156263 FL: LO51597 IN: 34762 WA: MLO-1156263 AZ: 0938031.
*Should a credit repair partner's services be needed, fees may be applicable to the vendor. Once credit repair is completed and you purchase a home with eClick Lending, we credit you toward your closing costs any fees paid for credit repair with our partner.