{"id":51815,"date":"2021-06-21T11:52:32","date_gmt":"2021-06-21T19:52:32","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=51815"},"modified":"2023-03-17T08:40:55","modified_gmt":"2023-03-17T15:40:55","slug":"how-long-does-it-take-to-get-pre-approved-for-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/how-long-does-preapproval-take\/","title":{"rendered":"How Long Does It Take to Get Pre-Approved for a Mortgage?"},"content":{"rendered":"<p>One of the most common pieces of advice offered to prospective homebuyers is to get pre-approved for a mortgage. However, many buyers aren\u2019t aware how long the pre-approval process takes and how it can cut into their time to look for a house.<\/p>\n<p><b>Here\u2019s what you can expect when you get a mortgage pre-approval, including the amount of time it takes to secure that pre-approval letter:<\/b><\/p>\n<ul>\n<li><a href=\"#how-pre-approval-works\">How mortgage pre-approval works<\/a><\/li>\n<li><a href=\"#long-to-get-pre-approval\">How long it takes to get a pre-approval<\/a><\/li>\n<li><a href=\"#how-long-pre-approval-last\">How long does a pre-approval last?<\/a><\/li>\n<\/ul>\n<p><a name=\"how-pre-approval-works\"><\/a><\/p>\n<h2>How mortgage pre-approval works<\/h2>\n<p>Mortgage pre-approval confirms your creditworthiness for a <a href=\"https:\/\/www.credible.com\/mortgage\/signup\">home loan<\/a>. When you get pre-approved, you\u2019ll receive a letter from your mortgage lender that shows how much money you can borrow to <a href=\"https:\/\/www.credible.com\/mortgage\">buy a home<\/a>.<\/p>\n<p>While a pre-approval doesn\u2019t guarantee full approval, it\u2019s a fairly in-depth process that can provide some peace of mind and make you a more attractive buyer.<\/p>\n<p>A mortgage pre-approval is different from a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval-vs-prequalification\/\">mortgage prequalification<\/a>:<\/p>\n<ul>\n<li><b>Prequalification:<\/b> The lender takes a look at your financial situation based on information you provide and gives you a ballpark estimate of how much mortgage you qualify for.<\/li>\n<li><b>Pre-approval:<\/b> This process is more involved. It requires a full application and hard credit check, and you\u2019ll need to provide additional documentation.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> It\u2019s best to get pre-approved at the start of the <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-it-takes-to-buy\/\">homebuying process<\/a>. Knowing the amount a lender is willing to let you borrow can benefit you as a buyer by narrowing down homes within your price range. It also shows sellers and agents that you\u2019re a serious buyer.<\/div><\/div>\n<p>Some of the benefits of <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval\/\">getting a mortgage pre-approval<\/a> include:<\/p>\n<ul>\n<li>Giving you a better idea of what you can borrow and afford<\/li>\n<li>Making your offer stronger<\/li>\n<li>Speeding up the closing process<\/li>\n<li>Allowing you more time to compare lenders and rates and resolve any issues<\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-48654 size-full\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square.png\" alt=\"how to get a mortgage flowchart-square\" width=\"1200\" height=\"1200\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-600x600.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-200x200.png 200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-768x768.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-300x300.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-150x150.png 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><br \/>\n<a name=\"long-to-get-pre-approval\"><\/a><\/p>\n<h2>How long it takes to get a pre-approval<\/h2>\n<p>How long it takes to get a pre-approval depends on the situation and lender. In general, lenders require certain documents to verify your finances \u2014 such as your W-2s and bank statements \u2014 as well as identification and employment verification.<\/p>\n<p>They\u2019ll also evaluate your debt-to-income ratio (DTI), run a hard credit check to get your credit score, and look for any red flags on your credit report.<\/p>\n<p>Some of the factors that can impact how long it takes to get pre-approved include:<\/p>\n<ul>\n<li>How long it takes you to gather supporting documents<\/li>\n<li>Whether there are mistakes on your credit report that need to be fixed<\/li>\n<li>Your employment status (since you might need additional info if you\u2019re <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/self-employed-home-loan\/\">self-employed<\/a>)<\/li>\n<li>Unusual circumstances involved with your assets<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>Double-check your credit ahead of time, review your credit report, and address any mistakes before you apply for mortgage pre-approval.<\/div><\/div>\n<p><em><strong>Keep reading: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/does-pre-approval-affect-credit-score\/\">Does Mortgage Pre-Approval Affect Your Credit Score?<\/a><\/strong><\/em><\/p>\n<p>Having all of the required documents on hand before you start can also help speed up the process.<\/p>\n<p><div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><\/p>\n<h3><span style=\"font-size: x-large;\"><strong>Credible makes finding a mortgage easy<\/strong><\/span><\/h3>\n<h6 class=\"accent--isGrayLight\">Compare prequalified mortgage rates from top lenders in just 3 minutes.<\/h6>\n<ul class=\"list--iconArrow accent--isGreen list--iconCheckmarkSolidCircle\">\n<li>Personalized rates, not generic<\/li>\n<li>One simple, safe TLS-encrypted form<\/li>\n<li>No spam calls from lenders<\/li>\n<li>Checking rates is free, with no commitment<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage\/form\/property-stage?utm_source=wp-credible&amp;utm_medium=mp-box-cta&amp;utm_campaign=seo\" target=\"_blank\" rel=\"noopener\">Find My Rate<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<p><\/div><\/div><\/p>\n\n<h3>Pre-approved with traditional lenders<\/h3>\n<p>It\u2019s not uncommon for a traditional lender to take up to 10 business days for a pre-approval.<\/p>\n<p>To get an idea of your financial situation and determine if you meet all the requirements, a loan officer will comb through several <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-preapproval-documents\/\">pre-approval documents<\/a>, including:<\/p>\n<ul>\n<li><b>W-2s<\/b> (two years\u2019 worth)<\/li>\n<li><b>Personal tax returns<\/b> (two years\u2019 worth)<\/li>\n<li><b>Business tax returns<\/b> (two years\u2019 worth, if applicable)<\/li>\n<li><b>Recent pay stubs<\/b><\/li>\n<li><b>Asset information <\/b>(such as statements for bank, retirement, and brokerage accounts)<\/li>\n<li><b>Identifying documents<\/b> (such as a driver\u2019s license, passport, or other government-issued ID)<\/li>\n<li><b>Profit and loss statements <\/b>(if you\u2019re self-employed)<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-buy-a-house\/\"><b><i>How to Buy a House: Step-by-Step Guide<\/i><\/b><\/a><\/p>\n<p><a name=\"how-long-pre-approval-last\"><\/a><\/p>\n<h2>How long does a pre-approval last?<\/h2>\n<p>A mortgage pre-approval typically lasts between 60 and 90 days. Because your financial situation and the market could change, approval letters don\u2019t last forever. If your offer isn\u2019t accepted, you might need to get pre-approved again.<\/p>\n<p>The expiration date for your pre-approval should be indicated somewhere on your pre-approval letter.<\/p>\n<p>If you\u2019re serious about buying a home, you\u2019ll want to get pre-approved. Not only will a pre-approval inform you of the mortgage loan you qualify for, it also gives you an advantage over other buyers and makes the entire homebuying process a lot less stressful.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the most common pieces of advice offered to prospective homebuyers is to get pre-approved for a mortgage. However, many buyers aren\u2019t aware how long the pre-approval process takes and how it can cut&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-does-preapproval-take\/\">Continue reading<\/a><\/p>\n","protected":false},"author":104,"featured_media":51816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1463],"tags":[1528,1548],"class_list":["post-51815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages","tag-mortgage-rates-sidebar-no-table","tag-mortgage-preapproval","how-long-does-it-take-to-get-pre-approved-for-a-mortgage","post_tag-mortgage-rates-sidebar-no-table","post_tag-mortgage-preapproval"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Long Does It Take to Get Pre-Approved for a Mortgage? - Credible<\/title>\n<meta name=\"description\" content=\"It can take several days to receive a mortgage pre-approval, depending on your lender. Find out how Credible makes the process easier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-does-preapproval-take\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Long Does It Take to Get Pre-Approved for a Mortgage? - Credible\" \/>\n<meta property=\"og:description\" content=\"It can take several days to receive a mortgage pre-approval, depending on your lender. Find out how Credible makes the process easier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-does-preapproval-take\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:author\" content=\"http:\/\/facebook.com\/plantingmoneyseeds\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-21T19:52:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-17T15:40:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/06\/how-long-does-it-take-to-get-pre-approved.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1416\" \/>\n\t<meta property=\"og:image:height\" content=\"566\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Miranda Marquit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@mmarquit\" \/>\n<meta name=\"twitter:site\" content=\"@credible\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Miranda Marquit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/\"},\"author\":{\"name\":\"Miranda Marquit\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/58ce13d9f41681a872fab5efffef044c\"},\"headline\":\"How Long Does It Take to Get Pre-Approved for a Mortgage?\",\"datePublished\":\"2021-06-21T19:52:32+00:00\",\"dateModified\":\"2023-03-17T15:40:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/\"},\"wordCount\":729,\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/how-long-does-it-take-to-get-pre-approved.png\",\"keywords\":[\"mortgage rates sidebar no table\",\"mortgage-preapproval\"],\"articleSection\":[\"Mortgages\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/\",\"name\":\"How Long Does It Take to Get Pre-Approved for a Mortgage? - Credible\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/how-long-does-preapproval-take\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/how-long-does-it-take-to-get-pre-approved.png\",\"datePublished\":\"2021-06-21T19:52:32+00:00\",\"dateModified\":\"2023-03-17T15:40:55+00:00\",\"description\":\"It can take several days to receive a mortgage pre-approval, depending on your lender. 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