Prior to submitting your offer on a home, HouseTech will pre-approve you for mortgage financing. This is a critical step that shows a prospective seller that you are a serious and capable buyer and it ensures that your offer will be moved to the head of the pack in a competitive real estate environment.

HouseTech employs an advanced pre-approval system that goes well beyond the pre-qualification process used by most mortgage lenders. A lender typically will issue a pre-qualification letter based on limited information – but there is no guarantee that you will actually qualify for the mortgage because the lender does not collect sufficient documentation or underwrite your file in accordance with mortgage lending guidelines. This reduces the value of a pre-qualification letter, both to you and to the seller. In contrast, when you are pre-approved through HouseTech, this means that we have collected all the information required to approve your mortgage financing and submitted your file to an in-house mortgage underwriter for a thorough review. Our underwriter will analyze your credit report, income documents and other information and seek preliminary approval of your application through our automated mortgage underwriting system. Upon approval, you will be issued a HouseTech Buyer Advantage Approval Letter, giving you complete confidence in obtaining the financing necessary to close your home purchase. *

How to Get Pre-Approved

Getting pre-approved by HouseTech is as easy as picking up the phone and calling your agent. If you just started with us and do not yet have an agent, that’s not a problem. Simply call us at 888-525-HOUSE and ask one of our customer service representatives to pre-approve you for a new home purchase. Once you are pre-approved, you will be able to access your pre-approval letter online in your personal document center.

If you would prefer to submit your information to us online to get pre-approved, you may click here to be taken to our secure application. Your information will be evaluated by one of our underwriting specialists within one business day and you will be contacted to complete the pre-approval process.

* Assuming receipt of a satisfactory appraisal report and title insurance and verification that certain information and conclusions concerning your credit history, income, and assets remain true as of the home purchase date.