Get Pre-Approved for Your Home Loan Today
A pre-approval letter shows sellers you're serious. Get yours in as little as 24 hours with competitive rates and zero obligation.
Today's Pre-Approval Rates
What is Home Loan Pre-Approval?
Pre-approval is a lender's conditional commitment to lend you a specific amount for a home purchase. Unlike a basic pre-qualification, pre-approval involves a thorough review of your:
- Credit history and score
- Income and employment verification
- Assets and savings
- Debt-to-income ratio
With a pre-approval letter in hand, sellers know you're a qualified, serious buyer—not someone who might fall through at the last minute.
Get Pre-Approved Now
Pre-Approval vs. Pre-Qualification
Don't settle for a meaningless pre-qualification. Here's why pre-approval matters.
Pre-Qualification
- ✗Based on self-reported information
- ✗No document verification
- ✗No credit check (soft or hard)
- ✗Sellers don't take it seriously
- ✗Can be done online in 5 minutes
Pre-Approval
- ✓Verified by underwriter review
- ✓Full document verification
- ✓Credit pulled and analyzed
- ✓Sellers trust it
- ✓Conditional lender commitment
Why Get Pre-Approved?
A pre-approval letter is your secret weapon in a competitive housing market.
Know Your Budget
Shop with confidence knowing exactly how much home you can afford.
Win More Offers
Sellers prefer buyers with pre-approval—it shows you're serious and ready.
Faster Closing
Much of the paperwork is already done, speeding up the final approval.
Lock Your Rate
Some programs let you lock rates during pre-approval, protecting against increases.
The Pre-Approval Process
From application to approval in 5 simple steps
Apply Online
Complete our simple application in under 10 minutes
Document Upload
Upload pay stubs, W-2s, and bank statements securely
Credit Review
We pull your credit and analyze your full financial picture
Underwriter Review
Our team verifies everything and calculates your max loan amount
Get Your Letter
Receive your pre-approval letter—usually within 24-48 hours
How Much Home Can You Afford?
Use our calculator to estimate your buying power before you apply for pre-approval.
Home Affordability Calculator
Discover how much house you can afford based on your income and debts
Car loans, credit cards, student loans, etc.
Lenders typically prefer ratios below 45%/45%
Ready to make it official? Get your actual pre-approval amount.
Get My Pre-Approval LetterDocuments You'll Need
Having these ready speeds up your pre-approval. Don't worry if you're missing something—we'll guide you through it.
Pre-Approval for Any Loan Type
We'll find the best program for your situation
Pre-Approval FAQs
Everything you need to know about getting pre-approved
Pre-approval is a lender's conditional commitment to loan you a specific amount based on a thorough review of your finances. Unlike pre-qualification (which is just an estimate), pre-approval involves verifying your income, assets, credit, and employment. It shows sellers you're a serious, qualified buyer.
Ready to Get Pre-Approved?
Fill out this quick form and we'll reach out within 24 hours to start your pre-approval. No obligation, no pressure.