Why Pre-Approval Matters

A mortgage pre-approval is your first step toward homeownership. It shows sellers you’re serious, defines your price range, and gives you the confidence to make strong offers without delay.

Top Benefits of Pre-Approval:

• ✅ Know your maximum home price before you start shopping
• ✅ Strengthen your offer when bidding against other buyers
• ✅ Uncover any credit or income issues early so they can be addressed
• ✅ Speed up the closing process once your offer is accepted

What You’ll Need to Get Pre-Approved:

• Recent pay stubs and W-2s (or tax returns for self-employed)
• Proof of assets (bank statements, investments)
• Good credit (minimum score depends on loan type)
• Valid ID and Social Security number

Most pre-approvals take 24–48 hours once you submit your documents. We partner with experienced lenders across New Jersey who can guide you every step of the way.