Our letters are aimed at underwritten quality: income, assets, and credit read by a person, not a web form alone. Same-day letters happen when the documents are already in. Same-day letters happen when the documents are already in.
Letters
Pre-qualification versus pre-approval
A pre-qualification is an estimate from what you tell us. A pre-approval reviews documents and, when needed, credit, and produces a letter a seller can rely on.
Questions
Straight answers
Which one should I get before an offer?
Pre-approval.
How long is a letter good?
Often 60 to 90 days, then credit and documents are refreshed.
Can any realtor use it?
Yes.
Does the letter show my income?
We can issue a letter with the price and loan type without broadcasting your financial life. Ask if the listing agent needs a particular format.
What if the offer price changes?
We update the letter if the new number still fits.
Is a letter an approval?
No. Final approval still needs the appraisal, title, and underwriting conditions.
Reviewed by Patrick Crawford, NMLS #231625 · Last updated October 28, 2026