Getting pre-approved before you search is one of the smartest moves a buyer can make. I'll connect you with trusted lenders and walk you through every step.
A pre-approval letter tells you exactly how much home you can afford — so you shop smarter and avoid falling in love with a home outside your range.
In the Bay Area market, sellers take pre-approved buyers more seriously. A letter from a reputable lender can be the difference between getting the home and losing it.
Hot listings don't wait. With pre-approval already in hand, we can write an offer quickly and confidently — giving you the best shot at winning.
Collect recent pay stubs, tax returns (2 years), W-2s, bank statements, and a valid photo ID. Self-employed? You'll also need profit & loss statements.
I'll connect you with trusted Bay Area lenders who understand the local market. You're free to use any lender — I just want you working with someone reliable.
Your lender reviews your credit, income, assets, and debt. This typically takes 1–3 business days. They may ask for additional documents — respond quickly to keep things moving.
Once approved, you'll get a pre-approval letter valid for 60–90 days. Now the fun begins — let's find your home.
Avoid applying for new credit cards, car loans, or any new lines of credit between pre-approval and closing. New debt can change your qualification status.
Don't make large deposits or withdrawals without documentation. Lenders will review your bank statements again before closing and look for unexplained changes.
Changing employers during the home-buying process can delay or even derail your approval. If a job change is unavoidable, let me and your lender know immediately.