Getting Pre-Approved

Know before you go.

Mortgage Pre-Approval

What does it mean to get pre-approved? Learn more below including when and how to get pre-approved for your mortgage.

About Mortgage Pre-Approval

  • 01. Who It's For
  • 02. Benefits
  • 03. Eligibility

Should I get pre-approved for a mortgage?

Pre-approval is an important step in the home buying process. If you are ready to put in an offer for your dream home, getting pre-approved (as opposed to just getting pre-qualified) is a good idea.

Benefits of Getting Pre-Approved

Set Realistic Goals

Narrow down your search and know how much house you can actually afford.

Save Time

Found your dream home? Take the next step in your loan application sooner with a pre-approval.

Identify Potential Issues

Find out early if you need to address any barriers to getting a mortgage.

Gain Competitive Advantage

If a home gets multiple offers, the buyer with a pre-approval will generally be chosen.

Pre-Approval Requirements

  • Good credit score of 620 or higher
  • Proof of income such as pay stubs and W2s
  • Proof of assets such as bank and investment statements
  • Employment verification and other documentation

Mortgage Pre-Approval FAQs

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I shopped around a bit for a broker, and was referred to John by a coworker. He was by far the most personable, professional, and proactive broker that I interacted with. He promised me that he was doing everything he could to protect my family's money and get us into a house that we love, and he did. The bottom line is he got us our desired results, he offered great advice, and he earned my trust and confidence. I would recommend his services to anyone looking for a knowledgeable and passionate mortgage broker.

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Have been working with John for a couple months now; he is very patient and understands our needs as first time home buyers. John has been amazing and answers all our questions, I think we have found our long time broker. He has the clients best interest in mind which is very refreshing. A++

Jeffrey C.

John is great at what he does, especially for first time homebuyers. He is willing to go the extra mile for his clients and will explain exactly what he's doing along the way. I'm so glad we were able to work with him and I highly recommend him.

Elizabeth D.

Beyond grateful to have been referred to John G. right after getting our offer accepted on a home. We would not have been able to do it without him. He secured us a great rate, which was a game changer in our decision to purchase. It was our first home purchase, and he helped us navigate every single thing, and was extremely responsive and available to chat when we needed him. The entire escrow process was smoother and quicker than we could have ever hoped for. He was a pleasure to work with, and we hope to continue to work with him in the future.

Jessica M.

Helping You Find Your Way Home.

Ready for a stress-free mortgage experience? Request rates or contact John today!

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