Fast & Easy Mortgage
Pre-Approval—Get Started Today!
Find out how much home you can afford with our quick and hassle-free pre-approval process. Get personalized loan options and competitive rates—with no obligation!
Know Your Buying Power Before You House Hunt.
Getting pre-approved is the first step to homeownership. It shows sellers and real estate agents that you’re a serious buyer and helps you shop with confidence.
Know Your Budget – Find out how much home you can afford.
Lock in Competitive Rates – Secure the best loan terms available.
Stronger Offers – Sellers take pre-approved buyers more seriously.
Faster Closing Process – Save time and avoid delays when you find the perfect home.
Getting Pre-Approved is Simple—Here’s How.
📌 Step 1: Fill Out a Short Application
Provide basic details like income, credit, and loan preferences.
📌 Step 2: Credit & Financial Review
Our experts analyze your financial profile (soft credit check available).
📌 Step 3: Get Your Pre-Approval Letter
Know your loan amount and interest rate in as little as 24 hours.
📌 Step 4: Start House Hunting with Confidence!
Do You Qualify for a Mortgage Pre-Approval?
If you meet these basic requirements, you can get pre-approved today:
Credit Score: 580+ for FHA, 620+ for Conventional (lower for VA & USDA loans).
Stable Income & Employment: At least 2 years of work history preferred.
Debt-to-Income Ratio (DTI): Typically below 43% (higher for some loan types).
Down Payment Savings: As little as 3% down (or 0% for VA & USDA loans).
Get Pre-Approved in Just a Few Minutes!
📌 Complete this form, and a loan expert will contact you ASAP!
Common Questions About Mortgage Pre-Approval.
Does pre-approval affect my credit score?
A soft credit check won’t impact your score, but a hard pull might affect it slightly.
How long does pre-approval take?
Most pre-approvals are completed in 24-48 hours.
How long is a pre-approval valid?
Typically 60-90 days, but it can be renewed.
Can I get pre-approved if I’m self-employed?
Yes! Non-QM loans offer bank statement and 1099 income options for self-employed borrowers.
Do I have to buy a home after getting pre-approved?
No! Pre-approval is free and carries no obligation—it’s just the first step.
Common Questions About Mortgage Pre-Approval.
Does pre-approval affect my credit score?
A soft credit check won’t impact your score, but a hard pull might affect it slightly.
How long does pre-approval take?
Most pre-approvals are completed in 24-48 hours.
How long is a pre-approval valid?
Typically 60-90 days, but it can be renewed.
Can I get pre-approved if I’m self-employed?
Yes! Non-QM loans offer bank statement and 1099 income options for self-employed borrowers.
Do I have to buy a home after getting pre-approved?
No! Pre-approval is free and carries no obligation—it’s just the first step.
Your Dream Home is Waiting—Get Pre-Approved Now!
Whether you’re a first-time buyer, upgrading, or refinancing, we make the mortgage process simple. Get pre-approved today and move one step closer to your new home!
Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.
Business Hours
Monday – Friday: 9 AM – 6 PM
Saturday: 10 AM – 2 PM
Sunday: Closed
Mortgage Services
Resources
Company
Legal & Compliance
Harmony Home Mortgage is an independent mortgage broker licensed in Florida, Georgia, North Carolina, South Carolina, and Michigan.
NMLS ID: 1162063
Business NMLS ID: 2629625
All loans are subject to underwriting approval. This is not a commitment to lend. Terms and conditions apply.
Legal Pages
Follow Us Online
Blog Sign Up
Stay updated on mortgage tips, market trends, and homebuying resources.
Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.
Business Hours
Monday – Friday: 9 AM – 6 PM
Saturday: 10 AM – 2 PM
Sunday: Closed
Mortgage Services
Resources
Company
Legal & Compliance
Legal & Compliance
Harmony Home Mortgage is an independent mortgage broker licensed in Florida, Georgia, North Carolina, South Carolina, and Michigan.
NMLS ID: 1162063
Business NMLS ID: 2629625
All loans are subject to underwriting approval. This is not a commitment to lend. Terms and conditions apply.
Legal Pages
Follow Us Online
Blog Sign Up
Stay updated on mortgage tips, market trends, and homebuying resources.