Motto Mortgage Community Solutions
Pre-Approval Portal
NMLS: 2629349 • LO: Shatoya Cobb #2037872
For Real Estate Agents
Get pre-approved in minutes, not weeks.

Your personal
home loan shopper — online.

Start your secure mortgage pre-approval with Shatoya and Motto Mortgage Community Solutions. I’ll review your application quickly, help you understand your numbers, and guide you toward the best loan options for your goals.

Want to learn more about us first? Visit our main site.

Start My Quick Pre-Qual ➜ Skip to Full Application
No obligation. Just clarity on what you can afford.
Thinking about building?
In addition to traditional home purchases, we can also help you explore buy-and-build one-time close construction options in eligible areas.

Why start with pre-approval?

In today’s market, sellers and agents want to see that you’re serious and ready. Your pre-approval helps you shop with confidence, make stronger offers, and understand your payment before you fall in love with a home.

Stronger offers
Show listing agents you’re ready to go with a solid pre-approval from a licensed mortgage professional.
Realistic budget
We’ll look at your full picture so you know what price range and payment truly fit your life.
Personal guidance
You’re not alone with a link — I’m here to answer questions, explain options, and help you plan your next move.

How it works

Simple, transparent, and built around real life — not perfect credit or perfect paperwork.

1
Complete the secure online form

Click “Start My Full Application,” share your basic information, income, and consent to pull credit.

2
I review your file personally

I’ll analyze your credit, income, and goals to match you with programs that fit — including FHA, VA, conventional, USDA and more.

3
We build a plan and move forward

If you’re ready, we issue your pre-approval. If you’re not quite there yet, I’ll give you a game plan to get there.

Prefer to talk first? Let’s connect.
📞 800-893-4818
✉️ [email protected]
📍 Serving SC, GA, NC, FL, LA, AL & TX

Quick Pre-Qual Snapshot

Want a fast, high-level idea of where you might fit before completing the full application? Use this quick tool based on self-reported information. This is not a commitment to lend or a formal pre-approval, but it’s a great starting point.

Answer a few questions about your credit, recent late payments, income, and goals. We’ll generate a preliminary snapshot and email the details to our team so we can follow up with you.

Program Snapshot (General Guidelines)

  • VA: Minimum 500 score. Up to 100% financing with no more than 1 recent late on installment or revolving accounts.
  • FHA: 580+ typically allows 3.5% down or DPA with limited recent lates. 500–579 may be eligible with 10% down and no lates in the last 12 months (subject to AUS and full review).
  • Conventional: Generally 620+ with strong payment history and no recent lates.
  • USDA: 550+ with no late payments in the last 12 months, property in an eligible USDA area, and no current homeownership.

Final approval, terms, and down payment requirements are always based on full underwriting, AUS findings, and complete documentation.