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Buy a Home


How To Get A Mortgage Pre-Approval

Getting pre-approved for a home loan is an essential step in the homebuying process. It is more formal than a mortgage pre-qualification and is a powerful tool. Getting pre-approved for a home loan provides clarity, confidence, and a competitive edge. It helps you set a realistic budget, speeds up the approval process, and enhances your chance of securing the home you want.

A Pre-Approval letter is a document from a lender showing that you have been tentatively approved for a mortgage loan and the amount you've been approved for. It is based on your income, assets, debt, and credit history. Getting pre-approved for a home before searching can provide peace of mind. It can also help you stand out from other buyers, saving you time and money.

PHH offers Pre-Approvals that are good for up to 90 days as part of the PHH Purchase Promise.

Why Should I Get Pre-Approved?


Determine Your Budget-

A Pre-Approval will give you an accurate picture of the amount you qualify for. This will help you determine how much you can afford to spend, narrowing your search and helping you to avoid overspending.

Increase Negotiating Power-

It's proof that you can make a serious offer. In a competitive market, sellers are more likely to accept an offer from a buyer who has been pre-approved. Stand out from other buyers.

Speed Up The Buying Process-

We'll already have your financial information and credit history. This allows you and your real estate agent to act quickly when you find the right home. Your mortgage approval will go smoothly and you'll get to closing with ease.

Put yourself in the position to negotiate a good deal on your dream home with a Pre-Approval from PHH. Plus, once Pre-Approved, you may also be eligible for our PHH Lock & Shop program.

Call 800-451-1895 to speak with a PHH Loan Officer and get Pre-Approved today or Apply Now.

Learn more about the Pre-Approval process.

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Ready To Apply

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