Get Pre-Approved

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What does pre-approval mean?

Pre-approval is the process by which a bank or lender evaluates your finances and credit history to determine if you are eligible for a mortgage. If you qualify, you will receive a pre-approval letter, which shows how much you can afford.

Why is pre-approval important?

In competitive markets, it's important for buyers to be pre-approved so that they can act quickly when they find the right home. Sellers expect buyers to be pre-approved to ensure that the deal won’t fall through due to financing issues.

What do I need to get pre-approved?

In order to get pre-approved, a lender will request the following:

  • W-2 Statements
  • Current Paystubs
  • Recent Tax Returns
  • Proof of Income for Spouse/Partner
  • Bank Statements
  • Credit Report

Other resources related to pre-approval: