A mortgage pre-approval is the most important step before beginning your home search. It gives you a clear understanding of your affordability, outlines your maximum purchase price, and helps you focus on homes that truly match your financial comfort zone. Sellers also view pre-approved buyers as serious and reliable, which can significantly strengthen your offer — especially in a fast-moving market.
Our team reviews your financial profile, compares lenders, and secures a tailored pre-approval that aligns with your long-term goals. We simplify every step, from gathering documents to explaining your options in clear, easy-to-understand terms. With fast turnaround times and expert guidance, you can shop with confidence knowing exactly what you qualify for.
What’s Included in a Pre-Approval
Verified credit review
Maximum mortgage amount
Estimated monthly payments
Locked-in rate for 90–120 days
Clear overview of next steps
The pre-approval process is typically quick, often completed within 24–48 hours once all required documents are submitted. Some applications may take longer depending on income verification or credit review. Our team helps you organize the documents in advance so the process moves smoothly. With everything ready, we aim to secure your pre-approval as quickly as possible.
Most lenders require government ID, proof of employment, pay stubs, tax documents, bank statements, and a full list of current debts and obligations. These documents help verify your financial stability and determine how much you can borrow. Don’t worry if you’re unsure where to start — we provide a clear checklist and guide you through gathering everything efficiently.
A mortgage pre-approval usually involves one credit inquiry, which has a small and temporary impact on your score. Multiple inquiries with different lenders can sometimes add up, but when done within a short period, they are generally counted as a single check. Working through a broker ensures your credit is only pulled once while still comparing multiple lenders on your behalf.
Most pre-approvals are valid for 90–120 days, depending on the lender. This rate hold protects you from interest rate increases while you shop for a home. If your approval expires before you purchase, we can refresh your file and update your financials to extend your approval period. It’s always a good idea to stay in touch with us throughout your home search.
