Why it matters when you make an offer
Sellers and their agents want to know your financing is real. A thorough pre-approval shows you've done the work, and it makes surprises less likely later.
What you'll usually need
- Recent pay stubs or other income documentation
- Tax returns or business records, if you're self-employed
- Bank and asset statements
- Permission for a credit check
Read it closely
A pre-approval isn't a commitment to lend. Final approval still depends on the property, the appraisal, and your finances staying steady. I'll explain exactly what yours covers.
The bottom line
Start with a conversation, then get pre-approved when you're ready to shop seriously.
This is general information, not financial advice or a commitment to lend. All loans are subject to credit approval, and programs vary by lender and eligibility.