Start Your Home Buying Journey with a Pre-Approval!
A mortgage pre-approval helps you understand how much you can afford and shows sellers you're a serious buyer. Whether you're looking to purchase a new home or refinance your current one, our quick and easy process will get you started in minutes.
Get Pre-Approved for Your Mortgage Today!
Why Get a Pre-Approval Letter?
A pre-approval letter is a key step in the home-buying process that gives you a competitive edge. Here’s why you should get pre-approved before house hunting:
Stronger Offers
A pre-approval letter shows sellers that you're a serious buyer with financing already in place, making your offer more attractive.
Know Your Budget
It helps you understand how much home you can afford, so you can focus on properties within your price range.
Faster Closing
Since much of the financial verification happens during pre-approval, the mortgage process is faster when you make an offer.
Negotiating Power
Sellers may be more willing to negotiate with a buyer who already has financing approved.
How Our Pre-Approval Process Works
Our pre-approval process is designed to be quick, simple, and hassle-free. Here’s how it works in three easy steps
1
Complete the Online Form
Fill out a short form with basic personal, financial, and employment information. This helps us assess your eligibility for a loan.
2
Get an Instant Decision
Our system reviews your information, and in most cases, you’ll receive an instant decision or hear from a loan officer within a few hours.
3
Receive Your Pre-Approval Letter
Once approved, you’ll receive a downloadable pre-approval letter that you can use when making offers on homes.
Looking to Secure a Loan?
We’re here to help you achieve your financial goals. Apply now and take the first step!
Top questions answered
Here are some common questions about mortgage pre-approvals:
A mortgage pre-approval is a letter from a lender stating how much they are willing to lend you based on your financial profile. It’s not a final loan approval but an important step in the home-buying process.
Our pre-approval process typically takes a few minutes if all required information is provided. In some cases, a loan officer may follow up within a few hours for additional details.
Yes, we perform a soft credit check, which does not affect your credit score. However, a hard inquiry may be required later during final loan approval.
A pre-approval letter is usually valid for 60 to 90 days, after which you may need to update your financial information.
Yes, self-employed borrowers can get pre-approved. You’ll need to provide additional documentation, such as tax returns and business financials.
Yes, you can still get pre-approved with a lower credit score, but the terms of your loan may vary. Lenders typically offer higher interest rates for borrowers with lower credit scores. It’s a good idea to work on improving your credit to qualify for better rates.
The basic documents required for pre-approval include:
- Proof of income (pay stubs, tax returns, or bank statements)
- Proof of employment
- Identification (driver’s license or passport)
- Credit history (via a soft credit check)
If you’re self-employed, you may need to provide additional documents, such as business financials.
Yes! You can get pre-approved before you start house hunting. In fact, it’s recommended, as it helps you understand your budget and makes your offer more attractive to sellers when you do find a property.
No, pre-approval does not guarantee a loan. Final approval depends on a more detailed review of your financial situation, including an appraisal of the property you want to buy and further verification of your income, assets, and credit.
Yes, you can change the loan amount later, but it may require an updated pre-approval letter. If your financial situation changes (e.g., higher income or larger down payment), you may qualify for a different loan amount.
One of the best experience of my life dealing with Zapa Mortgage. They know what they’re doing, I would highly highly recommend anyone and everyone who’s looking to buy a home. Very professional team, Special thanks to Edi, Saif and Hamza. Thank you for making our home buying experience the best and easiest to remember for life. May you guys succeed in life way more, best wishes and prayers for the Team. 🙏🏻🥰
I had an outstanding experience with them, specifically Saif, Hamza and Edi bhai. Their expertise and professionalism were evident from the start. They guided me through the entire process with ease, ensuring I understood every step. They secured a fantastic mortgage rate that exceeded my expectations. I highly recommend their excellent services to anyone seeking a mortgage.
Great and dedicated team of professionals who care and work fast. I as a realtor highly recommend Zapa Mortgage!
Hamza and Edi bhai are a great team. They ensure to get the job done and will be by your side until the very end. This is my 3rd loan with them and I am very pleased with their work. They are the best in the market!
Hamza and the team were super helpful! Amazing work got my home loan done in 14 days which is unheard off. Super responsive and respectful, highly recommended!
It was a great experience. I had a very busy schedule but Edi, Saif, Syed and their team worked expeditiously to help me achieve the fastest closing with the best rate in the market, always stayed on top and helped understand and meet lenders requirements in a timely and effective manner. Much appreciate!
I am very happy to work with Zapa Mortgage team very sincerely and hardworking team especially hamza Bahi and Edi Shaikh Shahab also thought a lot. They did my loan work on time, and now i am very happy to my new home. I say the best mortgage company is this Thanks to Zapa Mortgage Team
The team is super, every single person in Eddie sir team is very educated and guided me and my client the whole process of mortgage. Zapa Mortgage is great, as an agent highly recommends it to my every single client.
It was an excellent experience working with Zapa team, everything was smooth and kept me posted throughout the entire process, Hey went above and beyond and we closed on everything before the anticipated date, definitely recommended. Look no further than Zapa mortgage.
The staff was very friendly and patient with us while also educating us throughout the process of the mortgage. They were also able to solve any problems we were having. I would definitely recommend them as brokers.
We have very good experience with Zapa Mortgage, especially Abdullah Edi, Usha & Nida. They are very Professional and Quick to respond. This was my first home purchase; we didn’t know much about the process, but they made it very easy to understand things. It was a great experience! Highly Recommended!
Wonderful experience as always. It’s been couple of years working with Zapa mortgage. Brother Edi & his team will work tirelessly for their clients.
Wonderful experience as always. It’s been a couple of years working with Zapa mortgage. Brother Edi & his team will work tirelessly for their clients.
Hi, my name is Ali. I am very happy to work with Zapa Mortgage team very sincerely and hardworking team, especially Usha Ji and Edi Shaikh Shahab. They did my loan work on time, and now i am very happy in my new home. Thanks to Zapa Mortgage Team.
Thank you, Zapa mortgage team, for a smooth process. Specially Noman, who was always there for any questions. Highly recommended!
I had a wonderful experience with ZAPA. Especially Edi and team Polaris. They helped a lot in mortgage stages and easing in my home buying experience.
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We’re here to help you navigate the home financing journey with ease and confidence. Whether you're a first-time homebuyer or looking to refinance, our dedicated team is ready to provide personalized support tailored to your needs.