Pre-qualification is an informal estimate of how much you may be able to borrow, based on self-reported information like income and debt. It does not include a credit check or document review, so it’s useful as a starting point but not strong enough to support an offer.

Pre-approval is a more formal step. It includes a credit check and a review of your basic financial documents. This shows sellers you’re a serious buyer who has been financially vetted. However, the strength of a pre-approval can vary depending on the automated underwriting system (AUS) used and the loan officer’s experience. A knowledgeable loan officer who understands lender guidelines and overlays can provide a more accurate and dependable pre-approval—reducing surprises later in the process.

Underwritten approval (also called credit-approved or fully underwritten pre-approval) is the most solid option. A human underwriter has already reviewed and conditionally approved your income, assets, and credit. This gives you the strongest position possible when making an offer—often making you look as strong as a cash buyer.

 Most mortgages close within 25 to 45 days, but the timeline can vary depending on the loan type, the complexity of the transaction, and how quickly documents are provided. Staying responsive and organized helps keep things on track. In some cases, I can close certain loan types in as little as 8 days. 

It’s ideal to start with a lender to get pre-approved. This helps you understand your budget, strengthens your offer, and shows sellers you’re a serious buyer. Once you know what you can afford, connecting with a realtor will be more productive—they can focus your search on homes that match both your needs and price range. The good news? I can help you with both, or coordinate with your existing team to keep everything seamless.

 Yes! Many loan programs are designed for borrowers with low or moderate credit scores, and I work with multiple lenders to help find the right fit for your situation. 

 The title company plays a key role in the real estate transaction. They research the property’s ownership history to ensure the title is clear meaning there are no unpaid liens, claims, or legal issues that could affect your ownership. They also issue title insurance to protect both the buyer and lender from future title-related problems. In addition, the title company typically handles the escrow process, collects and distributes funds, and manages the final closing paperwork.