How do I get pre-approved for a mortgage?
To get pre-approved you start with a short application plus your income, asset, and credit information. A licensed loan officer reviews it and issues your letter. It states the loan amount you qualify for. Sellers expect this letter with any offer.
Most of our Florida buyers get their letter quickly. You just submit pay stubs, W-2s, and bank statements. Unlike a quick pre-qualification, a real pre-approval is verified, so your offer carries more weight.
The pre-approval steps
Getting pre-approved is simple. You share your income, assets, and debts, and we pull your credit. We then confirm the loan amount and rate you qualify for and hand you a pre-approval letter.
The letter tells sellers you are a serious buyer with financing lined up. In Florida's fast market, an offer without one often gets passed over.
What to have ready
Gather recent pay stubs, two years of W-2s or tax returns, and your latest bank statements. Self-employed buyers add profit-and-loss statements. Having these ready turns pre-approval around in a day.
The whole process is free and puts no obligation on you. Apply now and we will tell you exactly what you can afford before you tour a single home.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.