Pre-approval · Buying
Get pre-approved before you shop
A pre-approval tells you how much a lender is prepared to lend before you shop, so you can search in the right price range and make your offer with confidence. Send this request and we will connect you with a mortgage professional who will review your income, debts, credit and down payment, and explain the federal mortgage stress test.
Pre-approval request
A few details, then we connect you
Only the price range and how to reach you are required.
After you send it
What happens next
We read your request
Rob or George confirms a few details with you, at the time you asked us to call.
We make the introduction
We pass your request to a mortgage professional, who takes you through the pre-approval itself.
We start the search
Once you know your budget, we set up alerts and book showings in the right range.
What will a lender check?
Your income and job history, your debts, your credit score, your down payment and where it comes from. Lenders also apply limits on how much of your income can go to housing and to all debts, and qualify you under the federal mortgage stress test. We explain both, with the official sources, in mortgage information for London buyers. Run a first estimate in the affordability calculator.
FAQ
Questions we hear
Does a pre-approval affect my credit?
A lender's credit check is recorded on your file. Ask the mortgage professional how they handle it.
How long does a pre-approval last?
It depends on the lender. Your mortgage professional will tell you how long yours is valid and what it covers.
Do you arrange the mortgage yourselves?
No. We are real estate sales representatives. We connect you with a mortgage professional, who handles the application and the lender.
Is a pre-approval a guarantee?
No. Final approval depends on the lender's review of the home you choose and your situation when you buy, so keep your finances steady until closing.
Next
Keep going
Already pre-approved?
Tell us what you are looking for and where, and we will start the search in your range.