Get Pre-Approved in Walnut Creek | My Mortgage Ally
My Mortgage Ally reviews your income, assets, and credit and issues a pre-approval letter East Bay sellers will take seriously. You speak with Eric Rotner, not a call center. A pre-approval is not a commitment to lend.
Call 925-788-1644
Free, no obligation. You speak with Eric Rotner, not a call center.
25+ years
experience
$4B+ loans
funded
Corporate NMLS
#173855
Serving the
Bay Area
Equal Housing
Opportunity
My Mortgage Ally is an NMLS-licensed mortgage broker in Walnut Creek that issues verified mortgage pre-approvals for East Bay buyers. Eric Rotner (NMLS #338424) reviews documents and credit, then writes a letter you can attach to an offer. Most complete files turn around the same day or within one to two business days. A pre-approval is not a loan approval or a commitment to lend.
Why get pre-approved before you tour homes
Walnut Creek and the 925 corridor still move fast. Listing agents sort offers by who can close. A My Mortgage Ally letter names a local loan officer and a reviewed file. A pre-qualification that only uses numbers you typed in a form does not do that job.
Want the longer 2026 explainer? Read Mortgage Pre-Approval in 2026. This page is where you start the letter.
Pre-qualification vs pre-approval
| Feature | Pre-qualification | My Mortgage Ally pre-approval |
|---|---|---|
| What we review | Numbers you self-report | Income, assets, and credit documents |
| What sellers see | An estimate | A letter from a licensed broker they can call |
| Credit | Often none | A credit review. Eric tells you before a hard pull |
| Typical turnaround | Minutes | Same day or 1-2 business days after a complete file |
How a My Mortgage Ally pre-approval works
- Talk to Eric or apply. Book Calendly or start the secure application. Phone is fine: 925-788-1644.
- Upload documents. ID, income, and assets. Self-employed buyers add P&L or bank statements.
- Eric reviews the file. He shops programs across wholesale lenders, including jumbo and Non-QM when a W-2 path will not fit.
- You get the letter. Use it on offers. Eric can retarget the amount when you write a specific price.
Documents to have ready
- Government-issued ID
- Recent pay stubs, plus two years of W-2s or tax returns
- Recent bank and asset statements
- Self-employed: profit-and-loss statement and business bank statements
- If you are buying before you sell: a quick note on the home you own now
Upload through the application or the secure ShareFile link Eric sends. Do not email full Social Security numbers.
Who this pre-approval is built for
- First-time buyers who want a real number before weekend showings. Ask about Home Advantage 3 if 3% down with no monthly MI may fit.
- Self-employed and business owners who need bank statement or P&L-only underwriting.
- Move-up buyers using Buy Before You Sell or bridge.
- Jumbo buyers in Lafayette, Danville, and Alamo. See jumbo loans.
- Investors looking at DSCR.
How long it takes
My Mortgage Ally can often issue the letter the same day or within one to two business days after a complete file. If you have an offer due tonight, say that on the call. Do not wait on a blog post. Start the application or book the calendar.
Worries we hear before the first upload
“I do not want a hard pull yet.”
Start with a rate quote or the Calendly call. Eric will tell you before a hard pull. A full letter usually needs a credit review.
“I am self-employed and banks already said no.”
That is a My Mortgage Ally file. Bring bank statements or a P&L to the first call.
“I am not sure I can afford Walnut Creek.”
The letter and a payment estimate give you a range. Nothing is a commitment to lend.
SO WHAT ARE YOU WAITING FOR
Get your pre-approval on the calendar
Free, no obligation. You speak with Eric Rotner. A pre-approval is not a commitment to lend.
Free, no obligation, you speak directly with Eric Rotner.
What buyers say about us
“Eric is a very experienced lender with great communication. He’s wonderful to work with always meets timelines or beats them. Working with Eric is a pleasure and I recommend utilizing his services.”
Jeremy Jacobson
“I recently had an opportunity to work with Eric. He is very patient and explains every minute details. It was pleasure to work with him.”
Shailesh Gothi
“Highly recommend you work with Eric. He knows his business inside out. I interviewed a number of mortgage brokers and no one came close to his knowledge, expertise, and follow up. He worked hard to find the best solution for my unique situation. Plus he is a great guy and easy to work with. Give him a call.”
Elaine Ferre
See more on the reviews page.
Pre-approval questions
1. What is a mortgage pre-approval with My Mortgage Ally?
A My Mortgage Ally pre-approval is a review of your verified income, assets, and credit so Eric Rotner (NMLS #338424) can issue a letter sellers will take seriously. It is stronger than a pre-qualification, which only uses numbers you self-report. A pre-approval is not a commitment to lend.
2. How long does a My Mortgage Ally pre-approval take?
My Mortgage Ally can often turn a complete file around the same day or within one to two business days. If you have an offer deadline, tell Eric when you book so he can sequence the file first.
3. What documents do I need for a My Mortgage Ally pre-approval?
My Mortgage Ally typically needs a government ID, recent pay stubs, two years of W-2s or tax returns, and recent bank statements. Self-employed buyers should add a profit-and-loss statement and business bank statements. Eric sends a short checklist after the first call.
4. Does a My Mortgage Ally pre-approval hurt my credit?
A full pre-approval usually includes a credit review. A hard pull can lower a score by a few points for a short time. Eric will tell you before a hard pull happens. Soft quotes on the rate-quote page do not require a hard pull.
5. How long is a My Mortgage Ally pre-approval letter valid?
Most My Mortgage Ally pre-approval letters stay useful for 60 to 90 days, depending on the credit report and the lender. If your search runs longer, Eric can refresh the letter once your numbers are still current.
6. What is the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate from numbers you report yourself. A My Mortgage Ally pre-approval reviews documents and credit, so listing agents treat the letter as a real financing path. Use the blog guide for a longer walkthrough, then start here to get the letter.
7. Can I get pre-approved with My Mortgage Ally if I am self-employed?
Yes. My Mortgage Ally specializes in bank statement, profit-and-loss-only, and asset utilization loans for East Bay business owners. Bring tax returns or bank statements to the first call and Eric will tell you which path fits.
8. Is a My Mortgage Ally pre-approval a commitment to lend?
No. A pre-approval is not a commitment to lend and is not a loan approval. Final terms depend on underwriting, the property, appraisal, and credit at the time of application. Eric will say that on the letter so sellers see an honest file.
9. Can first-time buyers in Walnut Creek get pre-approved with 3% down?
Qualified first-time buyers can often use Home Advantage 3 (3% down, no monthly mortgage insurance when they qualify) or FHA. My Mortgage Ally will map the real payment and cash to close before you tour homes. California down-payment programs are covered on the upcoming CalHFA hub.
10. Do I have to visit the Walnut Creek office to get pre-approved?
No. My Mortgage Ally handles pre-approval by phone, email, Calendly, and secure upload. You can meet Eric at 1501 N. Broadway, Suite 460, Walnut Creek if you want an in-person sit-down. It is optional.
Start your East Bay pre-approval
Book Eric, apply online, or call. Walk away with a plan and a letter you can show an agent, or a clear no if the file is not ready.
Cities we pre-approve from Walnut Creek
My Mortgage Ally issues pre-approvals for buyers targeting these East Bay cities:
Also see the Areas We Serve hub and the mortgage calculator.
My Mortgage Ally is a DBA of Cornerstone First Mortgage, LLC. Eric Rotner, NMLS #338424. Cornerstone First Mortgage, LLC, NMLS #173855. Loans made or arranged pursuant to a California Finance Lenders Law License No. 6053674. Verify licensing at NMLS Consumer Access. Equal Housing Opportunity. We consider applications without regard to race, color, religion, national origin, sex, marital status, age, or because all or part of income comes from a public assistance program. Rates and terms are subject to change and subject to credit approval. This is not an offer of credit or a commitment to lend. A pre-approval is not a commitment to lend. Privacy Policy: Privacy Policy. Last Updated: September 2026.
1501 N. Broadway, Suite 460, Walnut Creek, CA 94596 · 925-788-1644 · eric@mymortgageally.com