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Mortgage Pre-Approval

Know What You Can Afford Before You Start House Hunting​

Before you fall in love with your dream home, make sure it’s truly within reach. A mortgage pre-approval gives you a clear picture of your homebuying power—and gives sellers confidence in your offer.

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I’m Corey Johnson, Branch Manager at CrossCountry Mortgage in Tequesta, FL. I’m here to help you shop smarter and more confidently with a mortgage pre-approval that puts you in control.

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What Is Mortgage Pre-Approval?​

Mortgage pre-approval is an early step in the home loan process where I review your finances—including your income, credit, debt, and employment—to determine how much home you can afford. You'll receive a pre-approval letter that shows sellers you're a serious and qualified buyer.

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It’s not a final loan approval, but it gives you a major advantage in today’s competitive market.

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Pre-Approval vs. Pre-Qualification: What’s the Difference?​

While both give you an idea of your buying power, pre-approval is more in-depth and reliable:

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  • Pre-qualification is based on basic info you provide (no credit check).

  • Pre-approval involves a credit check and review of your financial documents, providing a stronger estimate and a stronger buying position.

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When Should You Get Pre-Approved?​

Only when you’re ready to buy, your pre-approval is valid for up to 90 days, so it’s best to get it when you’re ready to tour homes and make offers. Many agents prefer to work with pre-approved buyers—it saves time and increases your credibility.

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If your letter expires, don’t worry—we’ll simply update your info and issue a new one.

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Why Mortgage Pre-Approval Matters​

Getting pre-approved can help you:

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✅ Focus your home search within your price range
✅ Strengthen your offers with sellers and agents
✅ Get a clearer picture of monthly payments and interest rates
✅ Speed up the closing process
✅ Shop with confidence and peace of mind

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What If You’re Approved for Less Than You Expected?​

Think of pre-approval as a financial checkup. If your numbers come back lower than expected, that’s a valuable signal. I can help you explore:

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  • Credit report issues

  • Reducing monthly debt

  • Increasing income or savings

  • Improving your credit score

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And we can always reapply once your financial situation improves.

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What You’ll Need to Get Pre-Approved​

Before we get started, gather these documents:

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  • Recent pay stubs (proof of income)

  • Bank statements and asset info

  • Driver’s license and Social Security number

  • Recent tax returns

  • W-2s or 1099 forms

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We'll run a credit check and provide a clear, competitive loan estimate. You’ll typically receive your pre-approval letter in about 3 business days.

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Get Pre-Approved the Smart Way​

If you’re comparing lenders, be sure to complete all pre-approvals within a 30-day window—that way, it counts as a single inquiry on your credit report.

 

Ready to start? I’ll guide you from pre-approval to closing day—and beyond.

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Let’s Find Out What You Qualify For​

Take the first step toward owning your next home. I’ll help you navigate the pre-approval process quickly, confidently, and with a personal touch.

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