{"id":982,"date":"2022-03-18T12:00:02","date_gmt":"2022-03-18T17:00:02","guid":{"rendered":"https:\/\/www.realtyhop.com\/mortgage-center\/?p=982"},"modified":"2023-07-22T13:37:15","modified_gmt":"2023-07-22T17:37:15","slug":"mortgage-pre-approval","status":"publish","type":"post","link":"https:\/\/www.realtyhop.com\/mortgage-center\/mortgage-pre-approval\/","title":{"rendered":"How to Get Pre-Approved for a Mortgage"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are like millions of Americans, buying a home will most likely be one of the most significant financial decisions you\u2019ll make in your life. And getting pre-approved by a lender is one of the many ways to make your home buying journey easier and faster.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, you will learn:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What It Means to Be Pre-Approved for A Mortgage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is a Mortgage Pre-Approval the same as Pre-Qualification?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How To Get Pre-Approved for A Mortgage?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How Long Does It Take to Get Pre-Approved?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How Long Does a Mortgage Pre-Approval Last?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What Does a Mortgage Pre-Approval Letter Say?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Will Getting Pre-Approved by Multiple Lenders Hurt Your Credit Score?<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-983\" src=\"https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application.jpg\" alt=\"\" width=\"701\" height=\"467\" srcset=\"https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application.jpg 900w, https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application-300x200.jpg 300w, https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application-768x512.jpg 768w, https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application-150x100.jpg 150w, https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application-600x400.jpg 600w, https:\/\/www.realtyhop.com\/mortgage-center\/wp-content\/uploads\/sites\/2\/2022\/03\/mortgage-application-696x464.jpg 696w\" sizes=\"auto, (max-width: 701px) 100vw, 701px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What It Means to Be \u2018Pre-Approved\u2019 for a Mortgage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To be pre-approved for a mortgage means that a lender or bank has evaluated your finances, employment, debt, and credit history to determine that you are an eligible candidate for a loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Getting pre-approved proves to sellers and real estate agents that you have the financial ability to afford a home. By showing a lender is willing to lend you money, you show that you\u2019re serious about buying. Remember, however, that getting pre-approved for a mortgage is not a promise that you\u2019ll get a loan or the stated loan amount in the pre-approval letter.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Is A Mortgage Pre-Approval the Same as Pre-Qualification?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While the two might sound similar, they, in fact, mean very different things when it comes to the mortgage process. There are several differences between getting pre-approved for a mortgage and being pre-qualified for one. The major difference between these two terms is the depth of the lenders\u2019 investigation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To get pre-qualified, you\u2019ll need to submit your income, debt, and other financial details to your lender, and your lender gives you a rough estimate without questioning your number. It is common to hear statements like, \u201cBased on your submitted details, you may be eligible for XYZ amount.\u201d\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, a mortgage pre-approval involves a more thorough investigation of your finances by a lender. When getting pre-approved for a mortgage, your lender will make a personal inquiry of your finances, pull your credit history, and verify your income before presenting you with a pre-approval letter.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How To Get Pre-Approved for A Mortgage?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Arming yourself with the correct information and paperwork can make your pre-approval process a breeze. Remember that a mortgage pre-approval process is simply a mortgage application. This means that your lender will want to evaluate your documents closely. Here is how to get pre-approved for a mortgage in four steps, even as a first-time homebuyer.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Check Your Credit Score<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your <a href=\"https:\/\/www.realtyhop.com\/blog\/credit-score-what-is-it-and-why-is-it-important\/\">credit score<\/a> plays a huge role in getting pre-approved for a mortgage. Make sure you get a copy of your credit score before starting the process. Most lenders will inquire about your FICO score, usually a combined credit report from the major credit bureaus.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the type of loan, your lender may request a credit score of 620 or higher for <a href=\"https:\/\/www.realtyhop.com\/mortgage-center\/what-is-a-conventional-loan\/\">conventional loans<\/a> and a credit score of 520 and above for government-backed mortgages like the <a href=\"https:\/\/www.realtyhop.com\/mortgage-center\/fha-loans\/\">FHA loans<\/a>.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Provide Proof of Income and Assets<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When applying for a mortgage pre-approval, you\u2019ll need to provide your lender with proof of your income and assets. Typically, you will have to present your lender with a copy of your W-2 wage statement for the last two years, pay stubs, and other additional income sources like alimony, child support, and dividends.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your lender may also request to see your tax returns for the last two years, cash reserves, retirement account statement, and other investment information. These details prove to your lender that you are financially capable of footing the downpayment and closing costs.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Secure Employment Verification<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">From your lender\u2019s perspective, stable employment is key to your financial health. Your lender may request that you provide verification of employment (VOE) letter from your employer. Others may put a call through to your employer after evaluating your employment-related documents.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Submit Other Personal Documents<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Finally, your lender will ask for additional personal documents like a copy of your drivers\u2019 license, Social Security Number (SSN), and legal signature to access your credit report. If you are an existing homeowner, you may have to present your current property tax bill.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">More importantly, if you run a personal business or are self-employed, be ready to submit a profit or loss statement for the last two years.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Long Does It Take to Get Pre-Approved?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As long as your finances, credit score, and paperwork are in order, you should be able to get your pre-approval letter within one to seven business days, on average. However, if you need to wait for an income audit or employment verification, it can take a little longer. But generally speaking, it shouldn\u2019t take more than two weeks. The only way to avoid delays when getting pre-approved for a mortgage is to fix your finance, credit history, and debts before applying.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Long Does a Mortgage Pre-Approval Last?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, every mortgage pre-approval letter comes with an expiration date. After getting pre-approved, many things about your financial and personal situation may change, such as your income, employment, <a href=\"https:\/\/www.realtyhop.com\/mortgage-center\/debt-to-income-dti-for-a-mortgage\/\">debt to income ratio<\/a>, credit score. The interest rate could also change. These factors are why mortgage pre-approval letters only last for 60-90 days. In some but rare cases, mortgage pre-approval letters could last 180 days.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once your pre-approval status expires, you\u2019ll need to update your document to get a new one. But keep in mind that when you apply again, your lender might request another credit inquiry, which could be bad for your credit score. They might also require up-to-date documents, which could be additional hurdles in your homebuying process.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Does a Mortgage Pre-Approval Letter Say?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re pre-approved for a mortgage, your lender will provide you with a pre-approval letter on official company letterhead. This document proves to sellers and real estate agents that you are serious and have the financial means to present a reasonable offer on the home. A typical pre-approval letter will contain the following information:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase price<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan type<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property address<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Down payment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expiration date<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rate<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Will Getting Pre-Approved by Multiple Lenders Hurt My Credit Score?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Getting pre-approved for a mortgage even by multiple lenders won\u2019t have much impact on your credit score. Since credit inquiry is an essential aspect of a mortgage pre-approval process, credit agencies expect you to make multiple inquiries at this time.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because of this peculiar situation, credit agencies allow borrowers to apply for mortgage pre-approval at several lenders within a 45-day window. So, as long as your credit inquiry falls within the 45-days or less after the first inquiry, all of your inquiries will only be recorded once to avoid a negative impact on your credit score.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Final Thoughts<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re purchasing a house with a mortgage as a first-time homebuyer or seasoned buyer, getting pre-approved for a mortgage is the first step to owning a property. Not only does getting a pre-approval letter make you appear to potential sellers as a serious contender, but it also gives you an idea of the amount you can afford. While getting pre-approved doesn\u2019t equate to securing a loan, it is essential if you plan to get a mortgage.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ready to buy your dream home? <a href=\"https:\/\/www.realtyhop.com\/r\/home\/mortgage_quotes?property_type=condo&amp;price=7600000&amp;zipcode=11201&amp;down_payment_percentage=20\">Check today\u2019s rates and get pre-qualified<\/a> in less than 3 minutes.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are like millions of Americans, buying a home will most likely be one of the most significant financial decisions you\u2019ll make in your life. And getting pre-approved by a lender is one of the many ways to make your home buying journey easier and faster.\u00a0 In this article, you will learn:\u00a0 What It [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":983,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[27,2],"tags":[],"class_list":{"0":"post-982","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-featured","8":"category-mortgage-basics"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get Pre-Approved for a Mortgage - RealtyHop Mortgage Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.realtyhop.com\/mortgage-center\/mortgage-pre-approval\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get Pre-Approved for a Mortgage - RealtyHop Mortgage Center\" \/>\n<meta property=\"og:description\" content=\"If you are like millions of Americans, buying a home will most likely be one of the most significant financial decisions you\u2019ll make in your life. 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