New Year, New Home: Steps to Getting Pre-Approved in 2025

January 16, 2025

A new year means new opportunities—and if one of your goals for 2025 is to become a homeowner, you’re in the right place! Getting pre-approved for a mortgage is one of the most important steps in the home-buying process. It shows sellers you’re serious and helps you understand what you can afford. With that in mind, here’s a simple, step-by-step guide to help you get pre-approved and start your journey toward owning a home.

Step 1: Fill Out the Application

Start by filling out our quick and easy application. We only ask the key questions necessary to get things moving efficiently. Moreover, our streamlined process ensures you can focus on what really matters—finding your new home.

Step 2: Upload Your Documents

After completing the application, you’ll need to upload some essential documents. These documents help us confirm your income and assets. Rest assured, we only request what’s absolutely necessary to get you pre-approved as quickly as possible.

Step 3: You’re Pre-Approved!

If you meet the necessary qualifications, you’ll receive a pre-approval letter once your application and documents are reviewed. As a result, this letter shows sellers that you’re a serious buyer and gives you a clear idea of how much you can afford.

What If I Don’t Qualify?

If you don’t qualify for a pre-approval right now, don’t worry! Instead, our team can assess your situation and provide specific steps to help you get on track for a future pre-approval. Whether it’s improving your credit score, saving for a down payment, or addressing other financial factors, we’ll guide you on what to do next.

What About My Credit Score?

Concerned about your credit score? No problem! Fortunately, we can perform a soft credit pull, which won’t impact your credit score. Our loan officers are always available to answer your questions and guide you through the process.

What Impact Does This Have on Me?

There’s no downside to getting pre-approved. Since we offer soft credit pulls, your credit score remains unaffected. In addition, getting pre-approved helps you:

1. Understand how much you can realistically afford
2. Show sellers that you’re a serious and qualified buyer
3. Make the home-buying process faster and smoother

Why Is Pre-Approval So Important?

A pre-approval letter gives you a competitive edge when making an offer on a home. Sellers are more likely to accept offers from buyers who already have financing in place, reducing uncertainty and helping to close deals faster.

We’re Here to Help

Our loan officers are here to assist you at every stage of the pre-approval process. Whether you need help with your application, uploading documents, or understanding your options, we’re just a call or message away.

Ready to Get Started?

There’s no better time to take the first step toward homeownership. Book a call with us today or start your application online. Let’s make 2025 the year you move into your dream home!

Categories: First-time homebuyers, helpful tips

Tags: credit, pre-approval