Pre-Approval
The Two-Week Pre-Approval Plan: Get Ready to Make Offers
A simple two-week plan to get your documents together and a pre-approval in hand.
You can usually go from "just thinking about it" to a written pre-approval within a couple of weeks if you gather documents early. Here's a simple plan.
- 1Days 1–2: Complete the online pre-qualification and check your credit reports for errors.
- 2Days 2–4: Gather your last two years of W-2s or tax returns, 30 days of pay stubs, and two months of statements for every bank and investment account.
- 3Day 5: Have a quick strategy call to compare loan options, down payment and monthly payment.
- 4Days 5–7: Your file is reviewed and, if everything checks out, you receive a written pre-approval.
- 5Days 8–14: Tour homes with your agent, knowing your real budget.
Keep your finances steady from here to closing: no new credit, no large unexplained deposits, and no job changes without talking to me first.
Timelines depend on how quickly documents come in and on your situation. Ready to start? Apply online or contact me.
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This article is general information, not a commitment to lend. Programs, guidelines and terms vary by lender and can change; all loans are subject to credit approval and underwriting.
