You can apply for a home loan, or you can apply for confidence when searching. Pro tip: go with the confidence. We go beyond a basic credit check to get you approved. We verify your income, credit, and other lending factors to give you the power to make stand-out offers. So when you’re ready, you can drop an offer and start planning your housewarming party.
Search and buy with confidence knowing you are armed with a personal, underwritten pre-approval.
Apply online or talk with a mortgage expert to see how much home you can afford. We’ll assign an underwriter to your file to fully review your information.
Search for your home with confidence knowing that when you’re ready, it will
Submit a customized, property specific offer letter from your mobile device with our automated pre-approval letter. In real-time.
Make everyone jealous at how fast you close because your information has already been underwritten by our processing team.
Apply online or talk with a mortgage expert to see how much home you can afford. We’ll assign an underwriter to your file to fully review your information.
Search for your home with confidence knowing that when you’re ready, it will
Submit a customized, property specific offer letter from your mobile device with our automated pre-approval letter. In real-time.
Make everyone jealous at how fast you close because your information has already been underwritten by our processing team.
Wyndham Capital Mortgage knows that time is of the essence when you find the house of your dreams. After all, it’s not going to wait for you! You’ll be the most eligible buyer on the block when you have the power of Priority Purchase mortgage pre-approval at your fingertips.
This pre-approval system goes beyond the preliminary credit check to get you approved. We verify your income, credit and other lending factors to give you a leg up on the competition.
The Priority Purchase mortgage pre-approval program allows you to search with confidence knowing how much house you can afford. When you do find the perfect house, you’ll be able to customize your underwritten pre-approval and deliver a property-specific offer letter that’s as good as cash, all from your smartphone. With your approval already underwritten, you’ll save valuable time during the rest of the loan process and be moving in faster than you ever thought possible. Learn more about the mortgage pre-approval process below.
A mortgage pre-approval is when the lender checks your credit and necessary financials to determine how much money you can borrow for a loan, how much you can pay per month, and what your interest rate will be.
Prior to getting pre-approved for a mortgage, borrowers should first determine their home buying timeline, make sure credit scores are up to par, and pay down any debt possible.
To be considered for a mortgage pre-approval potential borrowers need a source of stable income and good credit.
Pre-approval requirements may vary from lender to lender, but typically borrowers need to show proof of income, assets and employment, a government-issued ID and social security numbers, and tax returns.
To pre-approve you for a mortgage, lenders will need to do a hard inquiry on your credit which can negatively affect your credit score.
Getting a mortgage pre-approval is fast and easy thanks to Wyndham Capital Mortgage's priority purchase program, which allows you to apply 100% online and get personalized rates quickly.
Simply contact your mortgage lender to get more information on a mortgage pre-approval or work with a digital lender that allows you to get a mortgage pre-approval anytime, anywhere.
On average, it takes one to three days to get an answer of whether or not you've been pre-approved for a home loan.
On average, mortgage pre approvals are valid for 60 to 90 days. This is why it's important for your pre-approval to line up with your home buying timeline.
SFgate.com says the sweet spot for the number of mortgage pre-approvals is three. Applying for more than three is generally a waste of time and money since loan offers won't vary much if at all from the first few.
Apply for your Priority Purchase mortgage pre-approval today and lock in the buying power you need to get your offer accepted. Our expert mortgage specialists and digitally-driven tools are ready to make your mortgage pre-approval experience fast and easy, so you can begin your search, put in an offer, and start planning the housewarming party.
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