How Do Real Estate Platforms Embed Mortgage Prequalification?

Real estate and PropTech platforms integrate mortgage prequalification by calling soft pull credit APIs when buyers express interest in properties. This keeps buyers on the platform while providing instant qualification results without impacting their credit scores. Platforms can choose between prescreen offers, soft pulls, or hard pulls depending on funnel stage, and unified APIs supporting both prequalification and underwriting eliminate the need for multiple vendor integrations.