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If you have a co-borrower, the lender will need to collect income, debt and credit information for both you and your co-borrower.

What is a co-borrower?

A co-borrower is another person applying for a loan with you. If you have a co-borrower, lenders will consider both more... of your incomes, debts and credit scores.Less
$

Please enter a dollar amount between $0 and $10,000,000

Is this your total annual income?

Why does annual income matter for pre-approval?

Lenders need to understand how much you earn each year to help determine what size mortgage you can afford.
$

Please enter a dollar amount between $0 and $200,000,000

This amount is high. Make sure you didn't include your current rent or mortgage, estimated payments toward the new mortgage you are seeking, or credit card balances that you pay off in full each month.

Why do my monthly debts matter?

Lenders need to understand your other financial commitments to help determine what size mortgage you can afford.

Credit Score

Select your credit score range. If you are applying with a co-borrower, this should reflect the lowest credit score between the two borrowers.

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Why is my financial history important?

Your credit score will impact the loan programs and interest rates you qualify for, as well as the down payment amount that may be required to secure your loan. more... Your employment type and financial stability are key factors in determining the size of the mortgage you can afford. Less
$

Please enter a dollar amount between $0 and $20,000,000

This amount is pretty low. Consider whether you can comfortably afford a larger down payment.

Your estimated maximum home price is:

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loan amount with $ down payment

The more money you put down, the more house you can afford

If you increase your down payment, you may be able to qualify for a larger loan.

Adding a co-borrower can increase your buying power

If this affordability estimate is lower than you'd hoped, consider adding a co-borrower. With a co-borrower, both of your incomes will be considered when calculating how much you can afford.

Click SubmitNext to continue on your way to getting pre-approved for a mortgage.

When you click ‘Submit,’ we'll pass your information to your lender so they can follow up with you.

A pre-approval letter is a written document that reflects a lender's preliminary determination that you qualify for a loan of a certain amount under the specific lender's guidelines. The letter helps you prove to real estate agents and sellers that you're a credible buyer and able to act fast when you find the perfect home.

The lender will need to request your credit report before issuing a pre-approval letter.

When you click ‘Submit,’ we'll pass your information to your lender so they can follow up with you.

What is a pre-approval letter?

A pre-approval letter* is a written document that reflects a lender's preliminary determination that you qualify for a loan of a certain amount under the specific lender's guidelines. more... The determination is based on a preliminary review of the information you provide through the online questionnaire and your tri-merged credit report. The letter helps you prove to real estate agents and sellers that you're a credible buyer and able to act fast when you find the home you want to buy. Less
Your privacy is important.
We use state-of-the-art technology to protect your personal information.

Your pre-approval lender will call you:

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By clicking 'Next', I authorize the lender to request my credit report, authorize Zillow to send the information I've provided through this form to the lender, verify that all the information I've provided is true and that I have authority to provide this information, and understand that my use of this tool is subject to Zillow's Terms of Use.

* A pre-approval letter is not an offer to lend, a commitment to make a loan, or a guarantee of specific rates or terms. Even if you receive a pre-approval letter, you may not get a loan from a lender or a loan at a specific rate or subject to particular terms. Your lender may require income and asset verification, as well as the satisfaction of other conditions, before they commit to extending a loan. Please review our Frequently Asked Questions or contact a lender for additional information.

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Please enter a valid Social Security number

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Please enter a birth date

Please enter a street address

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Next

By clicking 'Next', I authorize the lender to request my credit report and my co-borrower's, authorize Zillow to send the information I've provided through this form to the lender, verify that all the information I've provided is true and that I have authority to provide this information, and understand that my use of this tool is subject to Zillow's Terms of Use.

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wasn't able to pre-approve you instantly, but we've sent them your information. They'll contact you within the next 2 hours to discuss next steps.

If the time is currently outside of normal business hours, they'll get in touch with you during the next business day.

Your pre-approval form details

Based on the information you've provided, we estimate that might be able to lend you up to . We estimate that this loan amount, in combination with your $ down payment, would provide you a total affordability of . This estimate is based on the current market interest rates.

You can also call the lender at

If you would like to speak with them now, you can call them directly with the number provided above.

We are sorry - was unable to pull your credit report at this time.

will call you

wasn't able to pre-approve you instantly, but we've sent them your information. They'll contact you within the next 2 hours to discuss next steps.

If the time is currently outside of normal business hours, they'll get in touch with you during the next business day.

Your pre-approval form details

Based on the information you've provided, we estimate that might be able to lend you up to . We estimate that this loan amount, in combination with your $ down payment, would provide you a total affordability of . This estimate is based on the current market interest rates.

You can also call the lender at

If you would like to speak with them now, you can call them directly with the number provided above.

will call you

wasn't able to pre-approve you instantly, but we've sent them your information. They'll contact you within the next 2 hours to discuss next steps.

If the time is currently outside of normal business hours, they'll get in touch with you during the next business day.

Your pre-approval form details

Based on the information you've provided, we estimate that might be able to lend you up to . We estimate that this loan amount, in combination with your $ down payment, would provide you a total affordability of . This estimate is based on the current market interest rates.

You can also call the lender at

If you would like to speak with them now, you can call them directly with the number provided above.

Congratulations! Your online pre-approval letter is below.

Your pre-approval letter is just the starting point of your home buying process. The next step is to speak with the lender to discuss your loan options and any mortgage-related questions you may have.

Then, when you're ready, they can help you through the application process so you can get your new home.

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We've sent your information to and they'll be contacting you within the next 2 hours. You can also call the lender at .

If the time is currently outside of normal business hours, they'll get in touch with you during the next business day.

has issued this pre-approval letter to you based on the information you provided and a preliminary review of your credit report. Your pre-approval letter is below and can be printed out. A copy has also been emailed to you.

$

Please enter a dollar amount between $ and

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Pre-Approval Certificate

Dear  & ,

Based on the information you provided and a preliminary review of your tri-merged credit report, has pre-approved you for a home loan subject to the conditions stated below and according to the following terms:

  1. Home Sales Price:
  2. Loan Amount:
  3. Down Payment:
  4. State:
  1. $
  2. $
  3. $$
  4. ?

Final approval for a home loan is subject to verification of all information you provided and satisfaction of various conditions including, but not limited to, the following:

  1. A valid sales contract on the subject property;
  2. An acceptable appraisal of the subject property to support the sales price;
  3. An acceptable preliminary title commitment issued on the subject property
  4. Proof of funds to close; and
  5. Final underwriting approval.

This Pre-approval Letter is valid for 90 days from the date set forth above.

Pre-approval reflects a preliminary determination that you qualify for a home loan under 's lending standards and guidelines. This Pre-approval Letter is not an offer to lend, a commitment for a loan, or a guarantee of specific rates or terms. Any rates quoted are only an indication of current rates as of the date of this Pre-approval Letter. If you receive final approval for a loan, the loan amount and conditions may be different than what is described in this Pre-approval Letter.

Sincerely,

NMLS:

Based on the information you've provided, the participating lenders' guidelines were not met and they cannot offer you online pre-approval.

What can you do?

Make sure all your information was entered correctly and also consider whether you would be willing to put down a larger down payment.

Go back and update your values

Talk to a lender

Online pre-approval doesn't work for all situations. You may still find a lender to pre-approve you, but you will have to speak with a lender first.

Find a rated and reviewed lender

will call you

wasn't able to pre-approve you instantly, but we've sent them your information. They'll contact you within the next 2 hours to discuss next steps.

If the time is currently outside of normal business hours, they'll get in touch with you during the next business day.

Your pre-approval form details

Based on the information you've provided, we estimate that might be able to lend you up to . We estimate that this loan amount, in combination with your $ down payment, would provide you a total affordability of . This estimate is based on the current market interest rates.

You can also call the lender at

If you would like to speak with them now, you can call them directly with the number provided above.

will pull your credit report.

will call you

wasn't able to pre-approve you instantly, but we've sent them your information. They'll contact you within the next 2 hours to discuss next steps.

If the time is currently outside of normal business hours, they'll get in touch with you during the next business day.

Your pre-approval form details

Based on the information you've provided, we estimate that might be able to lend you up to . We estimate that this loan amount, in combination with your $ down payment, would provide you a total affordability of . This estimate is based on the current market interest rates.

You can also call the lender at

If you would like to speak with them now, you can call them directly with the number provided above.