Get pre-approved so sellers take you seriously.
A short call with our licensed Katy, TX team is all it takes to get your pre-approval started.
A pre-approval letter shows sellers you're a serious, qualified buyer, not just browsing.
You'll get your actual interest rate, not an estimate, locked in so it can't move while you shop.
We shop multiple wholesale lenders on your behalf for competitive terms.
Two ways to start, and what each one gives you
Pre-Qualification
Know what you can comfortably spend, before you start touring houses.
- Takes a few minutes. You tell us your income, your debts, and what you're planning to put down, and we give you a number to work with.
- Nothing to dig out of a drawer - no pay stubs, no tax returns, no bank statements.
- You'll come away knowing which price range is realistic, which saves you falling for a house that was never going to work.
- You can stop right there. There's no obligation, and you're not in front of a lender yet.
Soft credit check · won't affect your score
Pre-Approval
Make an offer sellers take seriously, at your real rate in writing.
- Your income, assets and employment are verified, so the number is one a seller can count on rather than an estimate you put together yourself.
- You'll get a letter to send along with your offer. When you're up against other buyers, it's often the reason your offer gets read at all.
- Kimberli shops multiple wholesale lenders against each other to get the terms behind that letter.
- You'll need a few documents on hand: recent pay stubs, W-2s or tax returns, bank statements, and a photo ID.
Hard credit check · shows on your report
Both options are on the application. Continuing from here doesn't commit you to either one.
During account setup, your application is secure and your progress is saved.
Kimberli's direct line stays open for you from start to finish.
Or call (713) 396-0067 · Licensed Texas Mortgage Broker