Buy Hub · Financing Centro de compra · Financiamiento
Pre-approval: the move that changes everything. Pre-aprobación: la jugada que lo cambia todo.
A pre-approval is the piece that turns a search into a purchase. It tells you your real price band, tells sellers you are serious, and surfaces credit or documentation issues months before closing, when they are easy to fix. Here is how it works. La pre-aprobación es la pieza que convierte una búsqueda en una compra. Le dice su franja real de precio, les dice a los vendedores que habla en serio y saca a la luz problemas de crédito o documentos meses antes del cierre. Así funciona.
The Process
A few hours of paperwork, a year of confidence.
- 01
Choose a lender and apply
Nanci connects you with lenders who know Florida products and move at the pace of an offer. Rates and fees are compared openly.
- 02
The lender verifies
Credit, income, assets, and debts are reviewed. The result is a letter with the approved loan amount that protects you when an offer arrives.
- 03
Offer with strength
In a competitive market, a pre-approval is what separates a serious offer from a wish. Sellers and their agents read it as commitment.
- 04
Keep it current
Pre-approvals carry dates and conditions. Nanci reminds you what not to change, no new debt, no big deposits, no surprises, between approval and closing.
What to Bring
The documents a lender typically asks for.
- Two years of tax returns and W-2s, or the equivalent for self-employment
- Recent pay stubs covering the last month or two
- Bank and investment statements, usually the last two months
- Photo identification and, for some programs, proof of residence
- Details on debts: car loans, credit cards, student loans, and any other obligations
Pre-qualified versus pre-approved
A pre-qualification is a conversation about what you might afford. A pre-approval is a verification: the lender checks your documents and issues a real commitment. In South Florida's competitive market, sellers want the approval. Nanci will tell you which one you hold and help you get the stronger version.
Run the estimates yourself first with the mortgage calculator.
One Conversation Una conversación
Get pre-approved before the offer window opens. Prepárese antes de que se abra la ventana de ofertas.
Nanci connects you with the right lender for your situation and helps you understand every number, in English or Spanish. Nanci le conecta con el prestamista adecuado para su caso y le explica cada número, en inglés o español.