Pre-Approval
A pre-approval is a lender's documented assessment of how much you can borrow, based on verified income, assets, and credit.
What Pre-Approval means
It's stronger than a pre-qualification because an underwriter reviews real documents. A pre-approval letter shows sellers you're a serious, capable buyer.
Florida example
A Florida buyer with a pre-approval letter can make a credible offer the same day they find a home. Most listing agents in competitive markets won't present an offer without one.
What it means
A pre-approval is a lender's written statement of how much you can borrow. It is based on a real review of your credit, income, and assets.
It carries more weight than a pre-qualification because the lender verified your details.
Why you need one
A pre-approval shows sellers you are a serious, ready buyer. In a busy Florida market, it can win you the deal.
We can pre-approve you fast so you shop with confidence. Reach out and we will get you started today.
Related program: Learn more →
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.