It can take several days or weeks – even longer – to get approved for a mortgage, but that timeline heavily depends on how honest you are with your lender.
Should I get a pre-approved loan? Obtaining pre-approval for your VA loan amount is an excellent time-saving step. Once you know the exact amount you’re eligible for in your VA home loan, you can begin searching for a home as a ‘serious buyer’.
Getting a pre-approval for a VA Home Loan Guarantee is good for you and for the house hunting process. It helps the veteran know that they can get a home loan and for how much. It also shows real estate agents and sellers that you are serious about purchasing a home now and you can afford the price range you are searching in.
You can also get your free annual credit reports on AnnualCreditReport.com. How much house can you afford? How to get pre-approved for a mortgage; Why you should check your credit before buying a home
Use NerdWallet’s free mortgage prequalification calculator to see whether you qualify for a home loan, and if so, what amount you can get prequalified for.
Pre-Approval for a Home Loan. If you want your offer accepted, you need to get pre-approved before you submit an offer (they’ll know you can buy it and they’ll close). Getting a pre-approval from a Federally Chartered Bank (like NASB), that’s been in business for almost 90.
· Everyone knows they are supposed to get pre-approved for a home loan before they go house shopping. It’s one of those annoying pieces of advice you can’t escape, like "wear sunscreen." Groan. You.
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Get a fast home loan approval buying a property can be a life-changing experience but the home loan application process can be really daunting if you’re new to the process. Generally speaking, it takes between 4-6 weeks from submitting your application to reaching settlement on your property, depending on the state in which you live in.
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I was pre-approved for an FHA loan from a specific lender. my credit I have rebuilt with much attention over the past 4 years. once I get the house in mind to make an offer, what (if any) will they look at to get the actual approval? when I was "pre-approved" they just ran credit, verified income, and verified employment.
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