FREE home loan pre-approval
- Know exactly what you can afford before you search for homes.
- Spend less $ out of pocket and lock in a super low interest rate!
Related loan programs: FHA Loans | VA Loans | Jumbo Loans
Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!
Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!
Related reading: From First Conversation to Funded: The Convoy Process That Delivers Fast, Stress-Free Closings
Related loan programs: FHA Loans | VA Loans | Jumbo Loans
A pre-approval is a lender's conditional commitment to lend you a specific amount after reviewing your credit, income, assets and debts. It is stronger than a prequalification because your information is verified, and it shows sellers and agents that you are a serious, qualified buyer.
A pre-approval requires a credit check, which can cause a small, temporary dip in your score. Credit scoring models treat multiple mortgage inquiries made within a short shopping window as a single inquiry, so you can compare lenders without repeated impact.
Most buyers need a government-issued photo ID, pay stubs covering the last 30 days, W-2s or tax returns for the last two years, and two months of bank statements. Self-employed borrowers may also need business tax returns or a year-to-date profit and loss statement.
Pre-approval letters are typically valid for 60 to 90 days. If your home search takes longer, we can refresh your credit and documents and issue an updated letter.
No. Final approval depends on the property appraisal, title review and verification that your finances have not changed. To protect your approval, avoid opening new credit, making large purchases or changing jobs before closing.