Once documents are submitted, we can often issue pre-approvals within 24 business hours.
Have your documents ready and make sure your credit is unlocked with all 3 bureaus.
Yes—use services like MyFico.com for accurate tracking. Avoid sites like Credit Karma for mortgage-related monitoring.
Pre-approval letters are typically valid for 120 days from the date your credit is pulled.
Locking secures your rate for a set period. You can lock once your loan is in process to protect against market changes.

No! Many buyers qualify with as little as 3–3.5% down. VA loans even allow for 0% down if eligible.
You’ll usually need: 2 years of W2s, 2 recent pay stubs, 2 recent bank statements, and a photo ID. Self-employed? Add 2 years of tax returns.
Ideally 6–12 months before buying. Early pre-approval helps identify your budget and credit readiness.
Not significantly. Multiple credit pulls within a 45-day window typically count as one inquiry.
Pre-qualification is an estimate. Pre-approval is verified with documentation and credit, making you a stronger buyer.

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