What is mortgage pre-approval?

Mortgage pre-approval is a process where a lender evaluates your financial information to determine how much they're willing to lend you for a home purchase. It gives you a clear budget and shows sellers you're a serious buyer.

Why should I get pre-approved for a mortgage?

Pre-approval helps you know your budget before house hunting, makes your offers stronger in competitive markets, can lead to faster closing since financing is already in progress, and may help you lock in favorable interest rates.

How long does mortgage pre-approval last?

A mortgage pre-approval letter typically lasts 60-90 days. If you haven't found a home by then, you may need to update your pre-approval with current financial information.

What documents do I need for pre-approval?

Common documents needed for pre-approval include proof of income (pay stubs, W-2s), bank statements, tax returns, employment verification, identification, and information about your debts and assets.

Does pre-approval guarantee I'll get a mortgage?

Pre-approval is not a guarantee of final loan approval. The lender will still need to verify information, appraise the property, and complete underwriting before final approval. However, pre-approval significantly increases your chances of successful financing.

Get Pre-Approved Today

Take the first step toward homeownership. Getting pre-approved helps you understand your budget and shows sellers you're a serious buyer.

Why Get Pre-Approved?

Know Your Budget

Understand exactly how much home you can afford before you start shopping.

Stronger Offers

Sellers take pre-approved buyers more seriously in competitive markets.

Faster Closing

With financing already in progress, you can close on your dream home sooner.

Lock In Rates

Pre-approval can help you lock in favorable interest rates.

Your Information Is Safe

SSL Encrypted HIPAA Compliant Privacy Protected

Pre-Approval Application

Complete this form to start your pre-approval process. All fields marked with * are required.

Personal Information

First Name *

Last Name *

Email Address *

Phone Number *

Loan Information

Loan Purpose *

Property Type

Estimated Purchase Price

Estimated Down Payment

Financial Information

Annual Household Income

Credit Score Range

Employment Status

Additional Information

Comments or Questions

Best Time to Contact You

Your Privacy Matters: Your information is secure and will only be used to assist with your pre-approval process. We will never share your personal information with third parties without your consent.

I agree to be contacted by Hilary Repass Real Estate regarding my pre-approval request via phone, email, or text message. *

Questions About Financing?

I'm here to help guide you through the mortgage process. Don't hesitate to reach out with any questions.

(828) 455-6299

hilaryrepassrealestate@gmail.com