How to Get Pre-Approved for a Mortgage

Pre-approval is the first practical step in buying a home. It tells you how much you can borrow and shows sellers you're a serious, qualified buyer.

Step 1: Gather Your Documents

Lenders typically ask for recent pay stubs, W-2s or tax returns, bank statements, and identification. Having these ready speeds things up.

Step 2: Apply With a Lender

You'll complete an application and authorize a credit check. The lender reviews your income, assets, debts, and credit to determine what you qualify for.

Step 3: Receive Your Pre-Approval Letter

If approved, you'll get a letter stating your estimated loan amount. This is what you'll include with offers to show sellers you're ready.

Why Pre-Approval Matters

In a competitive market, sellers often won't consider offers without pre-approval. It also helps you shop confidently within your budget.

Let's Get You Started

As your REALTOR, I can connect you with trusted local lenders to get pre-approved quickly. Reach out and I'll help you take the first step.