Pre-qualify
Pre-qualify before you start shopping.
A pre-qualification tells you what you can comfortably afford and gives sellers confidence in your offer. No hard credit pull required.
Pre-qualified vs. pre-approved
Pre-qualification is a fast, no-pull check based on the information you give us. It's a great starting point. Pre-approval involves verifying your documents and pulling credit — it carries more weight with sellers and is the right step once you're ready to make offers.
How long it takes
Most buyers complete pre-qualification in 5–10 minutes online or by phone. Pre-approval usually lands in 1–3 business days once we have your documents.