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Results of the mortgage affordability estimate/prequalification are guidelines; the estimate isn’t an application for credit and results don’t guarantee loan approval or denial. All home lending products are subject to credit and property approval.

Taking the first step toward buying your dream home? Learn what it means to get pre-approved vs. getting pre-qualified for a mortgage so you can determine the option that works best for you.

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Mortgage pre-approval is an evaluation by a lender that determines if you would qualify for a home loan. It also shows how much the lender would be willing to lend you. Getting pre-approved is the first step towards getting a mortgage, but it does not guarantee a loan.

Mortgage prequalification differs from a pre-approval in that prequalification assesses whether your debt-to-income ratio fits U.S. Bank’s program guidelines for home loans. It also provides an estimate of how much you may be able to borrow – a good first step in your house-hunting journey.

For your loan representative to submit your mortgage application for pre-approval, you must provide your last two years’ tax returns and W-2s, thirty days of pay stubs, sixty days of bank account statements, and a signed authorization to order your credit report.

Get the Best Outcome During a Home Buying Pre-Approval The Risks of Co-Signing for a Mortgage If My House Is Paid For and I Have Bad Credit Can I Get a Home Equity Loan?

Apply now > pledge (pre-approval certificate) applications:. pledge (pre-approval certificate) Step by step guide : Before you consider buying your new home it may be useful to check how much you may qualify for.. using our handy home loan calculators;

Before trying to get pre-approved for a home loan, check your credit. loan representative to submit your mortgage application for pre-approval,

Applying for the Mortgage This is a different process than the pre-approval. An application means that you’ve actually made an offer on a home and are working with a loan officer on gathering any.

When and where to apply for your mortgage. You can meet with a mortgage lender and get pre-qualified at any time. A pre-qual simply means the lender thinks that, based on your credit score, income, and other factors, you should be able to get approved for a mortgage.