What do I need to get pre-approved for a mortgage in Texas?

To get pre-approved, you'll need proof of income, employment verification, a credit check, recent bank statements, and a valid ID. A mortgage loan officer will use these to determine your eligibility and price range.

Do I need a 20% down payment to get pre-approved?

No! There are several low- and no-down payment programs available for eligible buyers, especially first-time homebuyers. Ask your lender for options.

How long does mortgage pre-approval take?

Pre-approval can often be completed in 1–2 business days once you submit your documents. Some lenders offer same-day pre-approvals.

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