Get Pre-Approved for a Florida Mortgage

Most pre-approval decisions are issued within 24 to 48 hours after we receive your completed application and supporting documents. If your file is straightforward, same-day pre-approval is possible.

A mortgage pre-approval requires a hard credit inquiry, which may lower your score by a few points temporarily. However, multiple mortgage inquiries within a 14 to 45 day window are treated as a single inquiry by scoring models, so rate shopping does not penalize you.

Pre-approval letters are typically valid for 60 to 90 days. If your letter expires before you find a home, we can reissue it quickly as long as your financial situation has not changed significantly.

Pre-qualification is an informal estimate based on self-reported information. Pre-approval involves verifying your income, assets, and credit, resulting in a conditional commitment from the lender. Sellers take pre-approval letters far more seriously than pre-qualification letters.

Yes. Home Financial Group specializes in self-employed borrowers. Instead of traditional pay stubs and W-2s, we can use bank statements, a CPA-prepared profit and loss statement, or asset documentation to verify your income and issue a pre-approval.

Pre-approval is a strong conditional commitment, but final approval depends on the property appraisal, title search, and confirmation that your financial situation has not changed. Think of pre-approval as clearing the borrower side of the equation before the property side is evaluated.