Question 1

Why should I get pre-approved before I start shopping?

Accepted Answer

Getting pre-approved early lets you lock in a good rate, know your budget, and move with confidence when you find a home you love. You're prepared instead of rushing through it as an afterthought—and sellers take pre-approved buyers more seriously.

Question 2

How long does pre-approval take?

Accepted Answer

Many lenders respond within 1-3 business days. Right now everything is self-reported—no documents to upload, no paperwork to dig up. Just answer a few quick questions. Fast, easy, and you can do it from your phone.

Question 3

What's the minimum credit score required?

Accepted Answer

Lenders typically like to see 680 or above—that's considered good and opens up the best options. But government-backed programs like FHA loans exist for credit scores as low as 500. A broker can help you understand where you stand and what's available for your situation.

Question 4

Will filling out this form affect my credit score?

Accepted Answer

No. Filling out this form does not run a credit check. You self-report your credit score. A licensed broker will share advice based on their experience, walk you through your options, and help you decide next steps. If you'd like to move forward, they'll verify what you've reported—that's when a credit check happens. One of the benefits of starting with a broker: you get guidance first, without any impact on your credit.

Question 5

How can I check my credit without hurting my score?

Accepted Answer

You can check your credit on your own reliably—free tools like Credit Karma let you monitor your score and get instant notifications on changes, with no impact on your credit. After speaking with a broker, they can help you decide if your credit is adequate or if it makes sense to wait and boost it first. We have guides to help: our 90-day credit boost and credit card optimization guides can put you in a stronger position. With modern tools, you never have to suffer a meaningful rate drop from shopping until you're ready.

Question 6

What loan types can I get pre-approved for?

Accepted Answer

You can get pre-approved for conventional, FHA, VA, and USDA loans. Your income, credit, and situation determine which programs you qualify for.

Get Pre-Approved for Your Mortgage

Why get pre-approved?

Know your budget

Shop with confidence

Close faster

Learn more

Frequently Asked Questions