Get a Real Mortgage Pre-Approval Letter
Not a rate quote. Not a lead form. A real mortgage pre-approval process with a licensed lender.
About 10 minutes to complete • Soft credit check available • No phone call required to get started
- Actual pre-approval letter if qualified
- Complete your application online
- Secure document upload
- Reviewed by a licensed mortgage professional
You are applying directly with Watermark Home Loans. If your credit, income, assets and loan scenario meet applicable guidelines, we can issue a mortgage pre-approval letter you can provide to your real estate agent or use when submitting an offer.
We do not sell your information to competing lenders.
Need an Actual Pre-Approval Letter?
That's exactly what this is.
This isn't a mortgage calculator, rate table or lead-generation form. You'll complete a real mortgage application, provide the information needed for review, and if qualified, receive an actual pre-approval letter from a licensed mortgage lender.
- Mortgage pre-approval letter
- Online application
- Buying power
- Letter for an offer
- A real pre-approval review
- Secure application through Blend
- Reviewed income, credit and assets
- Lender-issued letter if qualified
No Rate Table. No Marketplace. No Bait-and-Switch.
You came here for a mortgage pre-approval. That's the process you'll start.
Get Pre-Approved in 3 Simple Steps
A real online mortgage pre-approval process, backed by licensed loan officers.
- 1Complete your application
Answer a short set of questions about your home purchase, income, assets and debts.
- 2Verify your information
Complete a soft credit check when available and securely provide any documents needed for review.
- 3Receive your pre-approval
Once your information is reviewed and you qualify, receive your mortgage pre-approval letter and know your buying power.
Some applications may require additional documentation or a quick conversation before a pre-approval can be issued.
What Should I Have Ready?
Depending on your situation, we may request some of the following. You don't need everything to get started.
Recent paystubs and W-2s, when applicable.
Recent bank or investment statements.
Current housing payment and property information.
Authorization for a credit review.
Basic identity and contact information.
Know What You Can Buy Before You Make an Offer
A pre-approval can help you understand an estimated purchase price, down payment and monthly payment before you begin negotiating on a home.
Your actual terms will depend on your credit, income, assets, property and loan program.
Illustration only. Not a commitment to lend, an offer of credit, or a pre-approval.
Prefer to Do It Online? That's Fine.
You don't have to schedule a sales call just to begin the process. Complete your application online at your own pace. If we need clarification, we'll let you know.
Want help instead? You can also speak with a licensed loan officer at any point.
Mortgage pre-approval questions
The details behind a real home loan pre-approval review.
Yes. This process is designed to collect the information needed for a mortgage pre-approval review. If you meet the applicable credit, income, asset and loan-program requirements, a mortgage pre-approval letter can be issued. A pre-approval is not a guarantee of final loan approval.
No phone call is required just to start. You can complete the application online. If additional information is needed, a licensed loan officer may contact you or you can choose to schedule a call.
We may be able to begin with a soft credit review depending on the application and available systems. If a hard credit inquiry becomes necessary, it will be disclosed clearly before proceeding.
Most borrowers should be able to complete the initial application in about 10 minutes. Review time depends on the complexity of the file and whether additional documentation is needed.
Depending on your situation, we may request paystubs, W-2s, tax returns, bank statements, identification or other documentation needed to verify your application.
If you are issued a mortgage pre-approval letter, you can generally provide it to your real estate agent or seller when making an offer, subject to the terms and conditions shown on the letter.
That's okay. Self-employed borrowers may qualify using tax returns, bank statements or other eligible income documentation depending on the loan program.
No. Pre-approval is subject to review of credit, income, assets, debts, property eligibility and applicable loan guidelines. Final loan approval also requires additional underwriting and property review.
Ready to get started?
If you already know you want to move forward, you can start the full mortgage application now.