Know exactly what you qualify for before you start shopping.
In Miami’s competitive market, sellers prefer buyers who are already pre-approved.
Pre-approval speeds up the underwriting process once you find the right home.
Lock in favorable rates when they become available (subject to lender guidelines).
"Getting pre-approved with Mortgage AF gave us the confidence to make a strong offer. We closed on our dream home in Brickell faster than we expected."
"The pre-approval process was fast and transparent. I knew exactly what I could afford before I started looking. Highly recommend!"
Most pre-approvals can be completed within 24–48 hours when you work with our team.
Typically, you’ll need recent pay stubs, W-2s or tax returns, bank statements, and identification. Self-employed borrowers may need additional documentation.
A soft inquiry is used for pre-approval, which does not affect your credit score. A full credit pull only happens when you apply for the actual loan.
Most pre-approvals are valid for 60–90 days. If your financial situation changes, we recommend getting updated before making an offer.
Yes. We work with many self-employed buyers in South Florida and have access to flexible loan programs that accommodate non-traditional income.
Apply, ask a question, or get the free guide.
No pressure. Licensed Mortgage AF specialists · NMLS #2260967