A pre-approval tells you what a lender is willing to lend and shows sellers you are serious. It is one of the best first steps for a financed purchase.
What lenders usually ask for
- Recent pay stubs, tax returns, and bank statements
- Identification and employment details
- Authorization to review your credit
Pre-qualification vs. pre-approval
Pre-qualification is a quick estimate. Pre-approval involves documents and a lender review, so it carries more weight with sellers.
Cash and international buyers
If you are paying cash or buying from abroad, we will prepare proof of funds and talk through lenders who work with foreign nationals.
Choosing a lender
I can introduce you to lenders I have seen work well, but you are free to choose anyone. Compare rates, fees, and communication.