Get pre-approved for a mortgage.

A verified pre-approval letter, signed by a local underwriter, improves your chances of winning the deal.

Questions? Call us at (773) 486-1100.

A verified mortgage pre-approval letter is better.

Feel confident about making an offer to buy a home. A loan decision-maker verifies your information so you know you're ready to buy.

Same day pre-approval

Make an offer quickly and take advantage of every opportunity to buy the perfect home.

Endorsed by an underwriter

Enhance your negotiating power and improve the likelihood of winning the deal.

Better service

Rely on us to guide you along the path to homeownership, making sure everything goes smoothly.

Start now on your mortgage pre-approval.

A powerful pre-approval letter from NewCastle Home Loans improves your likelihood of winning the deal.

Buying a home should be a delightful experience.

You're in the right place for quality customer service. We're celebrating 20 years of making homeownership simpler, faster, and more convenient.

Years of mortgage lending experience

First-time homebuyers served

Customer approval rating

"...very responsive and helped facilitate a buyer transaction in a very difficult lending environment. Appreciated the constant communication and professionalism throughout the process..."

Matt L.

"...incredibly thoughtful, thorough, and went above and beyond. His wealth of knowledge really does set his clients up for success. I wholeheartedly recommend the New Castle team!"

Lindsay E.

"Great experience! The team was very helpful and took the time to answer all my questions. I would recommend anyone looking for a home loan to look no further."

Hamid Z.

Frequently asked questions

When should you get preapproved for a mortgage?

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

Start the pre-approval at least one month in advance. And wait until you're within four months of buying a place.

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

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

How long is a mortgage pre-approval good for?

Your mortgage pre-approval letter is good for 4 months from the date we check your credit report. After 4 months, your credit expires, and so does your pre-approval.

We'll update your pre-approval for another 4 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 you can take advantage of every opportunity.

Should you get pre-approved by multiple lenders?

You need 1 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.

Will a mortgage credit check lower your score?

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.

The report and score are good for 4 months. Multiple inquiries by lenders within 45 days count as 1 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.

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.

Why use NewCastle Home Loans for a mortgage?

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

View an honest rate quote upfront to know what to expect.
Enjoy the convenience of a 100% online mortgage.
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.