Before you make an offer...


A pre-approval is a full review of your loan application, credit report, and income and asset documentation. A pre-qualification is a less detailed review that typically consists of filling out an application, but you provide little or no documentation to the loan officer. In other words, a pre-approval will let you know exactly how much of a home loan you qualify for whereas a pre-qualification is more of an estimated guess. If a loan officer has not reviewed all of your income and asset documentation, you are not officially pre-approved. As you can see, a pre-approval letter is much more accurate and definitive than a pre-qualification letter!


Before you even start looking for a home, it is always a good idea to get pre-approved to have a clear estimate of what you truly qualify for and what your monthly payment would look like. Your credit and income play a significant role in what your rate will be. Most real estate agents require a pre-approval letter prior to showing you homes to ensure that you are a fully qualified buyer and that you are successful when making an offer on a property.

The pre-approval process consists of filling out an online application and submitting income and asset documents (i.e. paystubs, W2s, bank statements, etc.) to the loan officer.

I would love to connect you with an amazing lender who will take great care of you and offer you the best finance solutions for "your" needs.

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Get Pre-Approved for a Mortgage


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Interested in a loan? Want to get Pre-Approved? Get started now!

(This number can change, it's just an estimate for now.)

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Zalone Mier, Real Estate Agent

Zalone Mier

(707) 689-3476

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