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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