Mortgages

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mortgages

The Pre-Approval Process

Getting pre-approved for a mortgage is a critical first step in the home-buying journey. It helps you understand your budget and shows sellers you’re a serious buyer.


Common Questions About Mortgage Pre-Approval

  1. What is a mortgage pre-approval?
  2. Pre-approval is a lender’s confirmation of how much you can borrow based on your income, credit score, and other financial details.
  3. What documents do I need for pre-approval?
  4. You’ll typically need proof of income (pay stubs or tax returns), proof of down payment, ID, and permission for a credit check.
  5. How long does pre-approval take?
  6. Pre-approval can take anywhere from a few hours to a few days, depending on the complexity of your situation.
  7. How long is a pre-approval valid?
  8. Most pre-approvals are valid for 90 to 120 days, giving you time to house hunt while locking in an interest rate.
  9. Does pre-approval guarantee I’ll get the mortgage?
  10. No, final approval depends on the property, your financial situation at the time, and any changes in interest rates or lending criteria.

We’ll make the pre-approval process smooth and straightforward, so you can confidently move forward in your home-buying journey.

Check out our Resources (add button) here for more information on The Pre-Approval process, specifically - the 10 commandments on what NOT to do once you get pre-approved