Mortgage pre-approval
Shop with a number, not a guess.
A documented pre-approval tells you what you can afford, shows sellers you’re serious, and puts you in position to move fast when the right home appears. Start online in minutes.
No obligation · Pre-approval is not a commitment to lend
Why pre-approval first
In a competitive market, certainty wins
Sellers and listing agents take pre-approved buyers more seriously. Here is what a real pre-approval does for you.
A real budget
Know your price range before you fall in love with a home outside it — or undersell what you can actually afford.
Stronger offers
A pre-approval letter from a verified file carries more weight than a quick online pre-qualification.
Faster closing
Much of the verification work happens up front, so your loan can move faster once you're in contract.
What to have ready
Less paperwork than you think
Automated verification handles much of the document collection. These are the four things that shape your pre-approval.
Income documentation
Recent pay stubs, W-2s, or tax returns for self-employed borrowers. Automated verification may pull much of this for you.
Asset statements
Bank and investment account statements showing funds available for down payment and closing costs.
A picture of your debts
Your credit report provides most of this — car loans, student loans, credit cards, and other monthly obligations.
A price range in mind
You do not need a property picked out. A rough idea of your target area and budget is enough to start.
How it works
Three steps to pre-approved
- Step 01
Start the inquiry
Answer a few questions online — no commitment, no obligation.
- Step 02
Review with a loan officer
Nick reviews your scenario, explains your options, and tells you exactly what documentation is needed.
- Step 03
Get your pre-approval
Once your profile is verified, you receive a pre-approval you can shop with — and strengthen an offer with.
Common questions
Pre-approval, answered plainly
What is a mortgage pre-approval?
Pre-approval is a lender's preliminary review of your documented financial profile — income, assets, credit, and debts. It is not a final approval or a commitment to lend.
Does getting pre-approved hurt my credit?
A pre-approval typically involves a credit inquiry, which may have a small, temporary effect on your credit score. A loan officer can explain what to expect before anything is submitted.
How long does a pre-approval last?
Pre-approvals are generally valid for a limited window, often 60 to 90 days, because your financial picture and market conditions change over time.
Have a different question? Call 951-923-6230 or try the AI Loan Advisor .
Ready when you are
Start your pre-approval today
A few minutes online now means a clearer budget and a stronger offer later.