Judy Messer


Why get pre-approved

A pre-approval scrutinizes every aspect of your creditworthiness and determines exactly how much you may borrow under a specific mortgage program. Not to mention the fact that it’s a great way to distinguish your offer in a highly competitive, low inventory market.



What you’ll need to start the process

You'll need to show your lender with proof of income and to verify this you'll  provide the following:

  • W-2’s from the last two years and your two most recent pay stubs
  • Last two months of bank statements of all asset accounts
  • If you're using gift funds for the down payment you'll need to provide a gift letter proving the money isn't a loan
  • Driver’s license and social security number


How long will the process take?

The pre-approval process typically takes three to five days (the underwriter typically needs this much time to review your file).


Now what?

Your mortgage consultant will be in touch as soon as the pre-approval is complete! 




All loans subject to credit approval.  Please consult with your mortgage lender to receive a Loan Estimate before proceeding with your loan.  A Loan Estimate will disclose the interest rate and APR which is determined by the current market rate on the loan program that you choose. LLC  (NMLS # 1433719) | 8640 University Executive Park Dr. | Charlotte, NC  28262