Jonathan Ray Pair
About Jonathan Ray Pair
Hi, my name is Jonathan Pair, and I’m a Mortgage Loan Officer with Zillow Home Loans, LLC. I’ve spent the past 12 years in the mortgage industry working with borrowers across the country on Conventional, FHA, and VA purchase and refinance loans. Earlier in my career, I supported a high volume of clients, which taught me how to find good options quickly and communicate clearly, even when timelines are tight. I especially enjoy working with first-time homebuyers, breaking the process down step by step, setting expectations up front, and helping you feel prepared for what comes next. Having worked with ...
Licensed to work in:
Alabama (1086923), Georgia (1086923), Illinois (031.0089892), Michigan (1086923), Texas, Virginia (MLO-77564VA)
Contact info
Frequently asked questions
- What does it mean to get pre-qualified?
A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and assets to determine an approximate loan amount you may be able to borrow.
Benefits of getting pre-qualified:
See what you can afford
Shop with confidence knowing which homes will fit best within your budget.
Reach your financing goals
Get connected with certified loan officers at Zillow Home Loans or from Zillow's network of lenders to answer your questions.
- Will it affect my credit score?
There's no impact on your credit score to become pre-qualified with Zillow Home Loans.
Lenders will base pre-qualification on the information you provide. Some lenders, including Zillow Home Loans, may do a “soft pull” of your credit, but that won't affect your credit score.
- What happens afterwards?
- First, you'll answer [10-15 questions] about the home you're looking to buy, your credit score, and finances. It takes as little as 3 minutes with no impact to your credit score.
- Once pre-qualified, you'll receive a downloadable letter* to share with your agent.
- Next, you'll connect with a loan officer to confirm your information.
*Exclusions apply based on state and employment regulations.
The next step is to get pre-approved. Most buyers do this before submitting an offer so they can show the seller they're serious and have the financial backing to purchase the home.
