Khristine Hartman

NMLS# 2629625

(877) 409-4278

Fast & Easy Mortgage

Pre-Approval—Get Started Today!

Find out how much home you can afford with our quick and hassle-free pre-approval process. Get personalized loan options and competitive rates—with no obligation!

Speak with a Mortgage Expert

Know Your Buying Power Before You House Hunt.

Getting pre-approved is the first step to homeownership. It shows sellers and real estate agents that you’re a serious buyer and helps you shop with confidence.

Know Your Budget – Find out how much home you can afford.

Lock in Competitive Rates – Secure the best loan terms available.

Stronger Offers – Sellers take pre-approved buyers more seriously.

Faster Closing Process – Save time and avoid delays when you find the perfect home.

Getting Pre-Approved is Simple—Here’s How.

📌 Step 1: Fill Out a Short Application

Provide basic details like income, credit, and loan preferences.

📌 Step 2: Credit & Financial Review

Our experts analyze your financial profile (soft credit check available).

📌 Step 3: Get Your Pre-Approval Letter

Know your loan amount and interest rate in as little as 24 hours.

📌 Step 4: Start House Hunting with Confidence!

Do You Qualify for a Mortgage Pre-Approval?

If you meet these basic requirements, you can get pre-approved today:

Credit Score: 580+ for FHA, 620+ for Conventional (lower for VA & USDA loans).

Stable Income & Employment: At least 2 years of work history preferred.

Debt-to-Income Ratio (DTI): Typically below 43% (higher for some loan types).

Down Payment Savings: As little as 3% down (or 0% for VA & USDA loans).

Check Your Pre-Approval Eligibility

Get Pre-Approved in Just a Few Minutes!

📌 Complete this form, and a loan expert will contact you ASAP!

Common Questions About Mortgage Pre-Approval.

Does pre-approval affect my credit score?

A soft credit check won’t impact your score, but a hard pull might affect it slightly.

How long does pre-approval take?

Most pre-approvals are completed in 24-48 hours.

How long is a pre-approval valid?

Typically 60-90 days, but it can be renewed.

Can I get pre-approved if I’m self-employed?

Yes! Non-QM loans offer bank statement and 1099 income options for self-employed borrowers.

Do I have to buy a home after getting pre-approved?

No! Pre-approval is free and carries no obligation—it’s just the first step.

Still Have Questions? Let’s Talk!

Your Dream Home is Waiting—Get Pre-Approved Now!

Whether you’re a first-time buyer, upgrading, or refinancing, we make the mortgage process simple. Get pre-approved today and move one step closer to your new home!

Speak with a Loan Expert

Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.