Beautiful suburban home with a Pre-Approved stamp overlayed on the image

Mortgage Pre-Approval in Southlake, TX

A pre-approval is one of the smartest first steps in your home buying journey. At Assurance Home Loans, we make getting pre-approved simple, fast, and personalized—so you can shop with confidence and make strong offers.

Are you purchase ready?

Before diving into the home-buying process, it's important to ask yourself: Am I purchase ready? This means evaluating your financial situation, credit health, and long-term goals to ensure you're in the best position to secure a mortgage.

Pre-approval is a lender’s written estimate of how much you can borrow, based on a review of your credit, income, assets, and debts. It’s stronger than a pre-qualification and shows sellers that you’re a serious, well-prepared buyer.

Why Get Pre-Approved Before You Shop?

Know Your Ceiling
I pre-approve you for the top of your affordable range. That way you know you are ready for any home you find below that number. Search with confidence.
Shake Out Challenges
The Pre-Approval process identifies any potential financing challenges. That’s a good thing because we can create a plan to overcome those challenges.
Be Taken Seriously
Imagine receiving two purchase offers at the same time — one is Pre-Approved and the other is not. Which one would you take more seriously?
Close More Quickly
A Pre-Approval gets the heavy lifting of the loan process out of the way. This helps you close more quickly.

What We Review for a Pre-Approval Letter

To issue a solid pre-approval, we typically review:

Credit score and history
Recent pay stubs or income verification
Bank statements
Tax returns or self-employment docs
Monthly debt obligations

Don’t worry if you’re not sure where to start—we’ll guide you every step of the way.

How Our Pre-Approval Process Works

Quick Consultation – We talk about your goals and finances
Document Review – You upload or send basic info
Soft Credit Pull (optional) – We review your profile with no credit impact
Pre-Approval Letter Issued – You’re ready to house hunt
Ongoing Support – We update your letter as needed and stay available

pre-Approvals Without the Pressure

Fast, honest feedback with no obligation
Personal review from a licensed mortgage expert
Local knowledge of the Southlake market
Flexible options for first-time and experienced buyers
Same-day pre-approvals available in most cases

Start Your Home Search with Confidence

The first step to buying your dream home is knowing what you can afford. Let’s get you pre-approved today—no pressure, just clarity.

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Mortgage Pre-Approval FAQs

Does getting pre-approved hurt my credit?

We can often start with a soft pull. A full pre-approval may involve a hard inquiry, but it’s typically a small and temporary impact.

How long is a pre-approval valid?

Most pre-approvals are valid for 60–90 days. We can easily update it if needed.

Is pre-approval the same as final approval?

Not quite. Pre-approval is based on a snapshot of your finances. Final approval happens after underwriting and appraisal once you’re under contract.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.