Get Pre-Approved in Minutes
Know your budget before you shop. A pre-approval letter shows sellers you're a serious, qualified buyer.
Why Get Pre-Approved?
A pre-approval gives you a competitive edge in today's market
Know Your Budget
Understand exactly how much home you can afford before you start shopping.
Stronger Offers
Sellers take pre-approved buyers more seriously. Stand out in competitive markets.
Faster Closing
Much of the work is done upfront, leading to a smoother, faster closing process.
Rate Lock Option
Lock in your rate during pre-approval to protect against market changes.
How Pre-Approval Works
Four simple steps to your pre-approval letter
Step 1
Complete Application
Fill out our simple online form in about 5 minutes.
Step 2
Submit Documents
Upload your ID, pay stubs, and bank statements securely.
Step 3
Get Your Letter
Receive your pre-approval letter, often within 24 hours.
Step 4
Start Shopping
House hunt with confidence knowing your financing is ready.
What You'll Need
Have these documents ready to speed up your pre-approval:
- Government-issued photo ID
- Social Security number
- Pay stubs from the last 30 days
- W-2s from the last 2 years
- Bank statements from the last 2 months
- Tax returns (if self-employed)
Don't have everything? Start your application anyway—you can upload documents as you gather them.
Pre-Qualification vs. Pre-Approval
Pre-Qualification
- Based on self-reported information
- No credit check required
- Quick estimate only
- Less weight with sellers
Pre-Approval ✓
- Verified income and assets
- Credit check included
- Accurate loan amount
- Stronger negotiating position
FAQ
Pre-Approval FAQs
Common questions about the pre-approval process
Ready to get pre-approved?
Start your application now and get your pre-approval letter in as little as 24 hours.