Get Pre-Approved. Shop With Certainty.
Free, secure, and about five minutes to start. Same-day letters available once your documents are in — so your first offer is a strong one.
No obligation • Free • NMLS #2263609
Pre-Qualified vs. Pre-Approved
Pre-Qualification
An estimate based on what you say
Quick conversation, stated numbers, no document review. Useful for a first ballpark — but listing agents know it's not verified, and they weigh it accordingly.
Pre-Approval · What Alex Issues
A verified letter underwriters respect
Your income, assets, and credit reviewed against actual program guidelines. The letter states a real number, and when a listing agent calls to verify it — Alex answers. That's often the difference in a multiple-offer situation.
The Letter Does Three Jobs
Sellers Take You Seriously
In a competitive market, an offer without a pre-approval letter often doesn't get a response. A strong letter from a responsive lender changes how listing agents read your offer.
You Shop the Right Price Range
Your real budget depends on rates, taxes, insurance, and program rules — not a rent-multiplier guess. Know the number before you fall in love with the wrong house.
Problems Surface Early
Credit surprises, income documentation quirks, property-type wrinkles — far better to find them now than ten days before closing.
Document Checklist
Have these on hand and a same-day letter becomes realistic. Missing something? Start anyway — Alex will tell you exactly what gaps matter for your scenario.
Identity
- Government-issued photo ID
- Social Security number
Income (W-2 Employees)
- Last 2 pay stubs
- W-2s for the last 2 years
- Federal tax returns for the last 2 years (if requested)
Income (Self-Employed)
- Federal tax returns for the last 2 years (personal & business)
- Or: 12–24 months of bank statements (bank-statement programs)
- Year-to-date profit & loss statement
Assets
- Last 2 months of bank statements (all pages)
- Retirement / investment statements if using for reserves or down payment
- Gift letter, if any part of your down payment is a gift
If Applicable
- VA: Certificate of Eligibility (Alex can help you pull this)
- Current landlord contact or mortgage statement
- Divorce decree / child support documentation
Ready?
Five minutes. Free. No obligation.
Start My Pre-ApprovalPrefer to talk first? Call or text 321-353-3373.
A pre-approval requires a credit check and document review, and is not a loan commitment. Final approval is subject to underwriting, property appraisal, and program guidelines. NMLS #2263609.
Run Your Numbers First
Get comfortable with the payment before the paperwork.