Get Pre-Approved in 24 Hours
Strengthen your offer and shop with confidence. Our streamlined pre-approval process gives you a competitive edge in today's market.
START YOUR PRE-APPROVALWhy Get Pre-Approved?
Stronger Offers
Sellers take pre-approved buyers seriously. Your offer stands out in competitive situations.
Know Your Budget
Shop with confidence knowing exactly how much home you can afford. No surprises later.
Faster Closing
Much of the underwriting work is already done, allowing you to close faster when you find your home.
The Pre-Approval Process
Submit Your Application
Complete our simple online application in about 15 minutes. You'll provide basic information about your income, assets, employment, and the type of home you're looking to purchase.
What You'll Need:
- • Social Security number
- • Employment information (current and previous 2 years)
- • Estimated monthly income
- • Estimated monthly debts
- • Approximate down payment amount
Provide Documentation
Upload your financial documents securely through our portal. We'll verify your income, assets, and employment to determine your purchasing power.
Required Documents:
- • Last 2 years W-2s or tax returns (if self-employed)
- • Last 30 days of pay stubs
- • Last 2 months of bank statements
- • Photo ID (driver's license or passport)
- • Investment/retirement account statements (if applicable)
Credit Review
We'll pull your credit report (with your permission) to verify your credit history and score. This is a "soft pull" during the initial review and won't impact your credit score.
Credit Score Impact:
- • 740+: Best rates and terms available
- • 680-739: Excellent rates with most programs
- • 620-679: Good rates, some programs available
- • Below 620: FHA and specialized programs available
Underwriting Review
Our underwriting team reviews your complete financial picture to determine your maximum loan amount, down payment requirements, and estimated interest rate.
What We Evaluate:
- • Debt-to-income ratio (DTI)
- • Employment stability
- • Credit history and payment patterns
- • Available assets for down payment and reserves
- • Overall financial stability
Receive Your Pre-Approval Letter
Within 24 hours, you'll receive your official pre-approval letter stating your maximum loan amount. This letter shows sellers you're a serious, qualified buyer.
Your Pre-Approval Letter Includes:
- • Maximum purchase price approved
- • Loan program type (Conventional, FHA, VA, etc.)
- • Estimated down payment amount
- • Validity period (typically 90 days)
- • Lender contact information for verification
Pre-Qualification vs Pre-Approval
Pre-Qualification
- •Based on self-reported information
- •No documentation required
- •No credit check
- •Quick estimate only
- •Less weight with sellers
Pre-Approval (Recommended)
- Verified income and assets
- Full documentation reviewed
- Credit report pulled and analyzed
- Underwriter-approved amount
- Strong credibility with sellers
Frequently Asked Questions
How long does pre-approval take?
Most pre-approvals are completed within 24 hours of receiving all required documentation. In urgent situations, we can often provide same-day pre-approval.
Does pre-approval guarantee my loan?
Pre-approval is a strong indicator, but final approval depends on the property appraisal, title search, and maintaining your financial status through closing. As long as nothing changes, you're in great shape.
How long is my pre-approval valid?
Pre-approval letters are typically valid for 90 days. If you haven't found a home by then, we can easily update your pre-approval with current documentation.
Will getting pre-approved hurt my credit score?
The credit inquiry may cause a small, temporary dip (usually less than 5 points). Multiple mortgage inquiries within 45 days count as one inquiry, so shop around without worry.
Can I get pre-approved with bad credit?
Yes! We offer FHA loans with scores as low as 580, and specialized programs for credit-challenged borrowers. We'll work with you to find the best solution.
Ready to Get Pre-Approved?
Start your home buying journey with confidence. Get your pre-approval letter in 24 hours.