Mortgage pre-qualification is quick and easy and can be done by phone or online

Pre-Qualification vs. Pre-Approval

A mortgage pre-qualification is a crucial step in the home buying process. We evaluate your income, debt, assets and credit score as you provided. Based off that information we determine the purchase price and terms of loan you can qualify for. To be approved for a loan, the information stated in a prequalification must be fully verified and underwritten.

A mortgage pre-approval is a more formal process where your income and assets are underwritten for loan eligibility. You will be asked to provide financial documents so we can verify details for the terms of your mortgage. We will provide you with a specific purchase price and loan amount for which you are likely to be approved. The pre-approval is usually valid for a particular time period, such as 90 days. Having a pre-approval also looks good to sellers who know you are ready to make the purchase.

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