Get pre-approved for a mortgage 

The best time to get pre-approved for a mortgage is between 1 and 4 months before buying a home. 

1. We check your credit before issuing a pre-approval letter.
2. Your credit score determines how much you can afford and the type of loan, interest rate, and monthly payment.
3. It expires in 4 months.

After that, we restart the pre-approval process with another credit check.

• When should you get pre-approved for a mortgage?

Your mortgage pre-approval letter is good for four months from the date we check your credit report. After four months, your credit expires, and so does your pre-approval.

We'll update your pre-approval for another four months if you're still looking for a home to buy. Updating the pre-approval is easy. First, we recheck your credit and reverify your financial information. Then, you get a new pre-approval letter so that you can take advantage of every opportunity.

• How long does a mortgage pre-approval last?

You need one strong mortgage pre-approval letter to include with your offer to buy a house.

Make sure the lender's underwriter verifies your financial information and signs it. Otherwise, sellers and agents feel uneasy about an uncertain outcome. As a result, you're less likely to win the deal, especially when competing with other buyers.

You're in the right place for a strong pre-approval letter. We confirm your information upfront so you get a personalized letter signed by our underwriter.

• How a verified mortgage pre-approval letter can help you buy a home.

We check your credit before pre-approving your mortgage to give you a reliable pre-approval letter and rate quote. It's a hard inquiry that reports to the credit bureaus and affects your credit score. Therefore, we always ask for your permission first. 

• What's the difference between a hard and soft credit check for a mortgage?

The report and score are good for four months. Multiple inquiries by lenders within 45 days count as one inquiry. So your credit will be okay if the last is within 45 days of the first. But, credit checks after the 45-day window may lower your score.

• Do multiple inquiries from mortgage lenders hurt my credit?

To keep your inquiries low and your score high, allow only one lender to check your credit for your pre-approval letter. Choose a lender that verifies your financial information. This way, you have the best chance that the sellers will accept your offer to buy their home. Then, after you're under contract, you'll have plenty of time to shop and compare loan offers.

• Does getting pre-approved hurt my credit?

When you work with us, you get a lower interest rate and better service on your mortgage. 

1. View an honest rate quote upfront to know what to expect. 
2. Enjoy the convenience of a 100% online mortgage. 
3. Rely on our staff of certified mortgage underwriters to guide you to homeownership, making sure everything goes smoothly. 

After that, close your loan on time, at the interest rate we promised, with better service than you expected. 

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