A mortgage pre-approval is a lender's review of your income, credit, debts, and down payment before you buy, confirming the maximum amount you can borrow and holding an interest rate for a set period, usually 90 to 120 days. It helps you shop with a real budget and shows sellers and agents that you are a serious, prepared buyer.
A pre-approval is not a final guarantee, because the property itself must also be approved. But it catches most problems early, when they are fixable, instead of after you have signed an offer.
We complete your application and pull your credit with your consent, so we see exactly what a lender sees.
You provide income and down payment documents. I review them the way an underwriter would, and flag anything that needs explanation.
Your file goes to a lender whose guidelines fit your situation, rather than one-size-fits-all submission.
You receive your approved amount and rate hold in writing, with a clear list of what still needs to happen at final approval.
Exact requirements depend on the lender and your situation. I confirm your list on our first call so you gather everything once.
The property must still pass lender review for value, type, and condition. A pre-approval also assumes your job, debts, and down payment do not change.
Calculators guess. A real pre-approval uses your actual credit file, verified income, and the stress test, which is the number that decides real offers.
A new car loan, credit card, or furniture financing changes your debt ratios and can reduce or cancel your approval. Wait until after closing.
Rate holds run 90 to 120 days. If your search takes longer, we renew the hold before it lapses so you do not lose a protected rate.
Book a free consultation. We look at your numbers together, in plain language, with no pressure and no cost to you.
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