How to Get Pre-Approved for a Mortgage

If you're planning to buy a home, getting pre-approved for a mortgage is a smart first step. It shows sellers you're serious, gives you a clear budget, and speeds up the buying process.

✅ What Is Mortgage Pre-Approval?

Pre-approval is a lender’s conditional commitment to lend you a certain amount, based on your financial profile. It’s more reliable than pre-qualification, which is just an estimate.

✅ Why It Matters

Stronger offers: Sellers take pre-approved buyers more seriously.

Clearer budget: You’ll know how much home you can afford.

Faster process: Once under contract, your loan process moves quicker.

✅ How to Get Pre-Approved

1. Check Your Credit
Make sure your credit report is accurate and your score is in good shape.

2. Gather Documents
You’ll need recent pay stubs, W-2s or 1099s, tax returns, bank statements, and your ID.

3. Shop Lenders
Compare mortgage rates and programs from different lenders or brokers.

4. Apply and Submit
Fill out a mortgage application and submit your documents. The lender will check your credit and review your finances.

5. Get Your Letter
If approved, you’ll receive a pre-approval letter stating how much you can borrow—usually valid for 60–90 days.

Ready to get started? Contact us today, and we’ll connect you with trusted lenders who can help you take the first step toward homeownership.