Get Pre-Qualified in Minutes

Our pre-qualification process takes just 3 minutes to complete online. You'll receive an instant preliminary assessment, and one of our lending specialists will contact you within 30 minutes to finalize your pre-qualification letter within 24 hours.

No, our pre-qualification process uses a soft credit inquiry that does not impact your credit score. You can get pre-qualified multiple times without any negative effects on your credit. Only when you decide to move forward with a formal application will we perform a hard credit check.

For pre-qualification, we only need basic information: your name, contact details, desired loan type and amount, funding timeline, and property type. Unlike traditional lenders, we don't require extensive financial documentation at this stage. Our asset-based approach focuses on the property value rather than extensive personal financial records.

Pre-qualification is an initial assessment based on the information you provide, giving you an estimate of how much you might be able to borrow. Pre-approval involves a more detailed review including verification of your financial information and a hard credit check. With Prime Direct Capital's streamlined process, we can often move from pre-qualification to approval very quickly.

Yes! Many of our loan programs are asset-based, meaning approval is primarily based on the property value rather than your credit score. Programs like hard money loans, DSCR mortgages, and fix & flip loans focus on the collateral and deal structure. Even with credit challenges, you may still qualify for competitive financing.

Pre-qualification letters are typically valid for 60-90 days, depending on the loan program. This gives you plenty of time to shop for properties or complete your project planning. If you need an extension or update, we can quickly issue a new pre-qualification letter as your situation evolves.

No, pre-qualification is completely free with no obligation. There are no upfront fees, application costs, or hidden charges. We only earn our fees when we successfully fund your loan, so our interests are aligned with helping you succeed.