Pre-Approval
Get Pre-Approved
This is the first step on your road to homeownership. A pre-approval is a conditional commitment from your lender to grant you a mortgage, which will help you understand what you can comfortably afford to spend. Let’s get you pre-approved today!
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You have questions and we have answers! Let’s talk about what we can do to get you into your first home, upgrade to a new home, tap into your home equity, take advantage of today’s low rates through a refinance or whatever your mortgage financing needs may be.
Pre-Approval
The very first step in the homebuying process should include getting pre-approved for a mortgage. This is a conditional commitment from your lender to grant you a mortgage, which will help you understand what you can comfortably afford to spend on a home before you even begin browsing listings. You don’t want to fall in love with a home only to discover it’s not within your budget just yet.
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How It Works
Book a Call with One of Our Team Members to Discuss Your Goals
We want to hear your story so we can understand your goals and dreams, and customize a mortgage plan that works best for your unique situation.
1
Apply For Your Mortgage
If you’re buying a new property, we’ll secure a pre-approval so you know what you can comfortably afford. And if you’re renewing or refinancing an existing mortgage, we’ll ensure we find your best options.
2
Review All Your Options
We’ll get the lenders competing for your mortgage business. Next, we’ll review your options so you understand each choice.
3
Choose The Best Mortgage For You
We’ll clearly explain which option we believe best fits your current financial situation and future goals, and why this is our top pick.
4
Pre-approval questions
What is a mortgage pre-approval?
A pre-approval is a conditional commitment from a lender to grant you a mortgage up to a set amount. It tells you what you can comfortably afford before you start looking at listings. Equally important, a pre-approval holds a rate with the lender, which can be a real advantage when rates are rising.
How long does a mortgage pre-approval last?
Most pre-approvals hold for 90 to 120 days, depending on the lender. If it expires before you buy, it can usually be refreshed with updated documents.
Does a pre-approval guarantee I will get the mortgage?
No. It is conditional — the lender still has to approve the specific property and confirm your income, down payment and credit have not changed.
Will getting pre-approved hurt my credit score?
A pre-approval involves a credit check, which can cause a small temporary dip. Working through one broker means one pull rather than a separate check at every lender.
What do I need to get pre-approved?
Generally proof of income, confirmation of your down payment and where it came from, and permission to check your credit.