How to Get Pre-Approved for a Mortgage in Palm Coast

A step-by-step guide to securing your mortgage pre-approval and standing out in Palm Coast's competitive market.

What is Pre-Approval?

A mortgage pre-approval is a preliminary commitment from a lender indicating how much they're willing to lend you. This important step:

• Shows sellers you're a serious buyer
• Gives you a clear budget for house hunting
• Speeds up the final loan process
• Helps identify potential issues early

Required Documents

Gather these documents before applying:

• Last 2 years of W-2s and tax returns
• Recent pay stubs (last 30 days)
• Bank statements (last 2 months)
• Photo ID and Social Security number
• Employment history