"Success in real estate comes down to two factors: taking risks and taking action!"


Get Pre-Approved

Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.

Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.

The Mortgage Reports Yahoo Finance

Steps to Getting Financing

In a competitive market, homes sell quickly. You wouldn’t want to miss out on the home
of your dreams because you don’t have a pre-qualification letter.


Monthly Payment

The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.

A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.

Apply to Get Pre-Qualified


Mortgage Company

Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.

The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.

Schedule an Appointment


Complete the Application

As part of your pre-approval, the lender may ask for supporting paperwork, including:

  • Bank statements
  • W-2 statements
  • Pay stubs and proof of deposits
  • Federal tax returns
  • Student loan statements

You don't need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.

Apply to Get Pre-Qualified


Get Pre-Approved

Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.

Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.


Make an Offer

In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!

Being pre-approved enables you to move quickly and get that offer in!


Start the Buying Process

Once your offer is accepted, then you begin the due diligence phase of the home buying process. Getting an inspection, an appraisal, finding your lender, getting your downpayment together and getting ready to move in!

Getting Pre-Approved Allows You to Move Quickly!

A mortgage pre-approval is the questionnaire that's the first step in buying a home. It tells a buyer which mortgages they can use and how much house they can buy.

Apply to Get Pre-Approved