Financing

Pre-qualification gives you a general idea of your loan eligibility based on basic financial information. Pre-approval takes it further—a lender verifies your income, credit, and assets to give you a stronger position when making an offer.

A pre-approval involves a hard credit check, but the impact is typically minimal. Most buyers see less than a 5-point dip, and it's often temporary. The benefits of knowing where you stand far outweigh the short-term effect.

While 20% is often cited, many loans require far less—some as low as 3% down. The right number depends on your loan type, credit profile, and goals. Our financing partners can walk you through the best options.

That’s where a mortgage calculator and pre-qualification come in. They help you align your search with what makes sense for your monthly budget, factoring in taxes, insurance, and loan terms—not just the home price.

Most approvals take between 20–30 days, but being pre-approved early can speed things up. We partner with lenders who move fast, stay communicative, and keep you informed every step of the way.