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Why should I get a Pre-Approval?

Getting a Pre-Approval letter for a mortgage is an extremely helpful first step you can take to make yourself a top candidate for your dream property.  What it means to get this letter is that a bank or lender has done a thorough check of your credit history and determined that they are willing to give you a mortgage. Here’s what you should prepare when starting your Pre-Approval:

  1. Income information – pay stubs, tax returns, and W-2s from the previous two years, as well as documents that show additional sources of income
  2. Asset information – bank account statements as well as information about investments you’ve made.
  3. Personal information – driver’s license or passport. You will need to provide your Social Security number for a credit check.

The Pre-Approval will benefit you by letting you know exactly how much you qualify for, thereby giving you a price range to stay in while you’re shopping for a property. Also, if you are shopping in a competitive market, having a pre-approval letter will make you a more attractive prospective buyer than those who do not have one.  Perhaps the biggest positive to obtaining a pre-approval is the fact that once you find the property you really want, you’ll be able to proceed with the process quickly, as you’ve already got financing ready to go.

Ready to begin your FREE online Pre-Approval? Click HERE to get started. Don’t worry, if there are any questions you may have along the way, feel free to contact us via phone (800) 448-8101, or email us


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Lyons Mortgage Services, Inc.
4802 25th Avenue, Suite 303
Astoria, NY 11103


Toll Free 800 448 8101
Telephone 718 267 2000
Facsimile 718 956 6199

(C) 2020 Lyons Mortgage Services, Inc. | NMLS ID 58702 | Mortgage Banker Licensed in, NY, NJ, CA, CT, PA

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