Get pre-approved before you shop

A mortgage pre-approval is a lender's written estimate of how much you can borrow, based on a review of your income, assets, debts, and credit. It's a stronger signal than a pre-qualification because it relies on verified financial information, and it tells you — and sellers — the price range you can confidently shop in.

Yes. Requesting a pre-approval through Roland Luxury is free and comes with no obligation to use a particular lender or to buy a home. We simply connect you with a trusted local lender so you can shop with clarity.

Once you share your information with the lender, a pre-approval can often be issued within one to three business days — sometimes the same day. Having recent pay stubs, tax returns, and bank statements ready speeds things up.

Lenders typically ask for recent pay stubs, W-2s or tax returns, bank and asset statements, and authorization to check your credit. Self-employed buyers may need additional documentation such as profit-and-loss statements. Your lender will provide an exact checklist.

A pre-approval involves a credit check, which is a hard inquiry that may lower your score by a few points temporarily. Multiple mortgage inquiries within a short shopping window are generally treated as a single inquiry, so comparing lenders won't disproportionately affect your score.

Most pre-approval letters are valid for 60 to 90 days. If your home search runs longer, the lender can refresh your letter with updated documentation. It's a good idea to keep your finances steady — avoid new large debts — until you close.