Pre-Approval
Get Pre-Approved Through Breezeful
Apply once through our platform and get matched with competitive options from our lender network.
A pre-approval means you've been qualified for a home loan up to a given amount based on your financial profile. You also receive an estimate for monthly payments, and depending on the lender, a rate lock for 60 to 130 days.
It's important to note that a pre-approval is not a guarantee — the final amount depends on the property purchase price and your down payment. Breezeful's platform streamlines this by letting you complete everything online.
Why Use Breezeful's Marketplace
Traditionally, getting pre-approved means visiting a bank or calling individual lenders one by one. Breezeful's technology changes that — one application lets you compare options across our network of lending partners. Our platform handles the heavy lifting so you can focus on finding the right home.
Working With A Realtor
Getting pre-approved before starting your home search helps you know your budget. With a pre-approval letter, realtors can focus on showing you homes in your price range. In a competitive market, having a pre-approval ready gives your offer more weight.
Documents Needed
Here are common documents lenders need to pre-approve you:
- Social Security Number
- Proof of employment
- Proof of income (pay stubs, W-2s)
- Tax returns (typically 2 years)
- Current address and housing history
- Bank statements and asset documentation
- Credit authorization
- Purchase agreement (if available)
- Gift letters (if applicable)
- Monthly debt and expense details
- Self-employment documentation (if applicable)