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. ​ 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.
​​​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. ​It’s not a final loan approval, but it gives you a significant advantage in today’s competitive market.
​​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: ​ 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.
​​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. If your letter expires, don’t worry—we’ll update your info and issue a new one.
​Why Mortgage Pre-Approval Matters​ Getting pre-approved can help you: ✅ 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
​​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: Credit report issues Reducing monthly debt Increasing income or savings Improving your credit score ​And we can reapply as often as needed once your financial situation improves.
​​What You’ll Need to Get Pre-Approved​ Before we get started, gather these documents: 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 We'll run a credit check and provide a precise, competitive loan estimate. You’ll typically receive your pre-approval letter in about three business days.
​​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.
​​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.