Get Pre-Approved for a Home Loan
Start Your Home Loan Pre-Approval
How to Get Pre-Approved for a Home Loan
Getting pre-approved is one of the first and most important steps in the homebuying process. It helps you understand how much home you may qualify for and allows a mortgage specialist to review loan options that fit your financial goals. The process is simple and can often be completed in just a few steps.
Complete a quick mortgage application so we can review your financial profile and home buying goals.
Step 1: Apply Online
A mortgage specialist will help you compare loan programs and estimate your monthly payment.
Step 2: Review Your Options
Once verified, you'll receive a pre-approval letter so you can confidently begin your home search.
Step 3: Receive Your Pre-Approval
Common Home Loan Questions
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Most lenders look for a credit score of 620 or higher, but some loan programs allow lower scores depending on income, down payment, and loan type.
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Loan approval depends on income, debt-to-income ratio, credit score, and down payment. Many buyers qualify for more than they expect after pre-approval.
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Pre-approval can often be completed in 24–48 hours once financial documents are submitted.
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While not required, pre-approval strengthens your offer and helps determine your home buying budget.
Why Work With Our Mortgage Team
Buying a home is one of the most important financial decisions you'll make, and having the right guidance can make the process much smoother. Our licensed mortgage professionals work closely with homebuyers to understand their goals, review financing options, and help navigate today’s housing market.
We support buyers across multiple communities and housing markets, helping them explore loan programs, estimate monthly payments, and move forward with confidence. Whether you're purchasing your first home, upgrading to a new property, or exploring refinancing options, our team focuses on clear communication, personalized guidance, and a smooth loan experience from application to closing.
Cat Totty
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Buying a home is one of the most important financial decisions you'll make, and having the right guidance can make the process much smoother. Cat Totty is a licensed mortgage professional in Michigan who works closely with homebuyers to understand their goals, review financing options, and help navigate today’s housing market.
molly Totty
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Buying a home is one of the most important financial decisions you'll make, and having the right guidance can make the process much smoother. Molly is a licensed mortgage professional in Ohio who works closely with homebuyers to understand their goals, review financing options, and help navigate today’s housing market.
Supported Every Step of the Way
Our mortgage team is here to guide you from application to closing. That means having knowledgeable professionals supporting you at every stage of the home loan process making sure everything moves forward smoothly and confidently.
1. Mortgage Loan Advisor
Your first step is connecting with a mortgage professional who takes the time to understand your goals. They’ll review your financial picture, explain available loan options, and help you begin the application process.
2. Loan processing
Once your application is submitted, our processing team helps organize and review the documentation needed for your loan. They work closely with you to gather information and keep everything moving efficiently
2. underwriting review
During underwriting, your financial information and loan details are carefully reviewed to ensure everything meets lending guidelines. This step confirms the loan fits your financial situation.