Why Pre-Approval Matters
Before you start looking at homes, getting pre-approved should be your first step. Pre-approval tells you how much you can afford and shows sellers you're a serious buyer.
What is Pre-Approval?
Pre-approval is an evaluation of your financial situation to determine:
Pre-Approval vs Pre-Qualification
Pre-Qualification
Pre-Approval
Our Pre-Approval Process
Step 1: Application (10-15 minutes)
Complete our online application with:
Step 2: Document Collection
Submit supporting documents:
Step 3: Review (24-48 hours)
Our team evaluates:
Step 4: Pre-Approval Letter
If approved, you receive:
What We Look For
Income
Down Payment
Financial Stability
The Whole Picture
Unlike banks that rely heavily on credit scores, we consider:
Preparing for Pre-Approval
Gather Documents
Have these ready:
Know Your Numbers
Understand:
Be Ready to Explain
Prepare to discuss:
After Pre-Approval
Once pre-approved:
1. Start House Hunting: Look at properties in your approved range
2. Work with Agents: Share your pre-approval letter
3. Make Offers: Sellers take pre-approved buyers seriously
4. Stay Qualified: Don't make major financial changes
Common Questions
How long does pre-approval last?
Typically 90 days. If it expires, you can request renewal with updated documents.
Does pre-approval guarantee financing?
Pre-approval is conditional. Final approval depends on the specific property and no major changes in your financial situation.
Can I get pre-approved with bad credit?
Yes! We specialize in helping buyers with credit challenges. Apply and let us evaluate your situation.
What if I'm self-employed?
We work with self-employed buyers regularly. Bring bank statements showing your actual income, not just tax returns.
Start Your Journey Today
Pre-approval is free and takes just minutes to begin. Discover what you can afford and take the first step toward homeownership.
Ready? Start your pre-approval application now.