Pre-Qualify for PA Refinance and Purchase Mortgages.
Free Pre-approvals emailed the same day or $100 off closing costs.
Free pre-approved mortgage for Pennsylvania (PA) only.


Free PA Mortgage Pre-Approvals. 4 hour response 7 days per week. Your Pennsylvania loan experts since 1995.


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Obtain a Free PA Pre Qualification before you shop for a house. $90,000 min. loan amount.

Purpose of Mortgage Pre-Approval :

Borrower name :

Co-Borrower name :

Borrower Address (will not be shared) :

Borrower Job Title : Check if Self-Employed:

Co-Borrower Job Title : Check if Self-Employed:

Subject Property City : State: Must be PA

Borrower + Co-Borrower Gross Income : $ per
(self employed use net income. Only include salary or bonus averaged over 2 years at current job)

Total Other Income : $ per Source

IF PURCHASE : Approximate Down Payment:  

IF REFINANCE : Estimated value of house:         Requested Loan Amount:

Total of minimum required monthly loan payments : $     per month (do not include mortgage/bills you are paying off, utilities or rent)

Estimated Annual Real Estate Taxes : per year

Number of Credit Accounts 30 days or more past due last 2 years : Explain in comments.

Estimated Credit Scores for all borrowers if known : Below a 640 requires credit report with payment and application.

Any bankruptcy, foreclosure, or repossession in past 7 years?   If so, please describe in comments :

Email Address - will not be shared or used for any other purpose than to respond to you :

Do you prefer a reply by e-mail?   yes

Best time to call (if you did  not check for e-mail reply above) : 9am-12pm   12pm-4pm    4pm-8pm  after 8pm

Phone Number if you prefer a call (will not be shared or used for any other purpose than to respond to you) :

Comments when were late payments, etc) :




Conditions and Terms of use:



Privacy Policy: We fully respect your privacy. We will never sell or distribute your email address or information. You will never receive any SPAM, directly or indirectly, telemarketing calls or junk mail as a result of contacting us! You will receive a maximum of two personal responses to an inquiry, nothing more other than subsequent personal service emails regarding your mortgage if you choose to hire us to provide your home financing.

By using this website and/or submitting your information you agree to the following:

Nothing on this website should be construed as a commitment to lend. Rates quoted are deemed reliable but are not guaranteed. Rate locks must be requested in writing and will be confirmed when we receive a lock confirmation from one of our lenders. A pre-approval does not guarantee an approval. It is based on the information that is submitted. We will need to verify the information submitted with pay stubs, and have an appraisal done, etc before we can close a loan.

By submitting your credit card or check payment to us either at the time of visiting our website or through subsequent contact you agree all up-front fees are considered P.O.C. (Paid Outside of Closing) and are non refundable. This includes, but is not limited to, applicable application fees, credit report fees, pre-qualification or pre-approval fees, applicable lock-in fees, and appraisal fees. Failure of a borrower's/consumer's check to clear, placing stop payments, or disputing a credit card charge will result in an additional $50 processing fee the consumer will be obligated to pay in addition to the original charge. You may cancel any inquiry or application at any time without obligation to close a loan or pay additional fees other than what was already paid for.

Basic pre-qualifications are free as outlined on this page. You must have perfect credit (middle score at least 640) for us to pre qualify you without running your credit report.

Services to be provided when borrower submits an optional credit report fee: If you are not sure of having perfect credit, or want us to verify your credit, we will be glad to run your credit report. It is better to be sure before you start house shopping. This optional $35 fee pays for a credit report that AMS agrees to run, analyze, and provide verbal or feedback via email to the borrower, at AMS's discretion, regarding the consumers credit score(s) that were obtained and with no further obligation of AMS. Requestor certifies he/she is ordering their own personal credit report and is using their own credit card to pay credit report fee. The credit report fee will be deducted from the application fee if the borrower and AMS mutually agree to proceed with a loan application. Borrower and/or AMS are under no obligation to proceed with a loan application at any time.

Credit reports that include a consumer or fraud statement can not be provided to the borrower.

Expiration of credit pre-approvals: Credit report and pre-qualifications are valid for as long as the borrowers credit, employment, income, asset, and debt history does not materially change and subject the lenders underwriting guidelines remaining the same or a maximum of 2 years.

AMS is not responsible for lost emails or problems with communications systems. We will make every attempt to provide excellent service as we are solely in the business to close loans by providing financing for homes and have done so since 1995. Please review our extensive list of testimonials and read about us to be confident you are working with a dedicated, customer-focused, experienced company with Low Rates!