How to Get Pre-Approved for a Mortgage: A Step-by-Step Guide

Buying a home is one of the most exciting—and financially significant—decisions you’ll ever make. Before you start touring homes or making offers, one essential step can set you up for success: mortgage preapproval.

What Is a Mortgage Pre-Approval?

A mortgage preapproval is a written statement from a lender confirming the amount you’re qualified to borrow. It’s based on an in-depth review of your financial situation, including your income, credit score, and debt-to-income ratio.

Preapproval isn’t just a piece of paper—it’s your ticket to a smoother homebuying process.

With pre-approval in hand, you’ll:

Know Your Budget: Focus on homes within your price range.
Strengthen Your Offer: Sellers take offers from preapproved buyers more seriously.
Save Time: Skip last-minute lender issues when it’s time to close.

How to Get Pre-Approval for a Mortgage

Follow these steps to get pre-approved quickly and easily:

Gather Your Documents
Be prepared to provide:
- Proof of income (pay stubs, tax returns)
- Bank statements
- Credit history
- Employment verification
Check Your Credit Score
Your credit score plays a significant role in determining your loan terms. Aim for a score of 620 or higher, although FHA loans may accept lower scores.
Choose a Mortgage Lender
Work with a lender who understands your needs and offers personalized service. At 14 Days To Close, we prioritize speed and clarity, ensuring you’re preapproved in record time.
Submit Your Application
Complete the application with your chosen lender. They’ll evaluate your financial information to determine how much you can borrow.
Receive Your Pre-Approval Letter
Once approved, you’ll receive a letter showing your loan amount and terms. Share this with your real estate agent to streamline your home search.

Why Choose 14 Days To Close?

At 14 Days To Close, we specialize in quick, hassle-free pre-approvals. Our team is available 24/7 to answer your questions and guide you through the process. Get started today and move one step closer to your dream home. Discover just how quickly we can close at www.14daystoclose.com/orless.