Pre-approval FAQ
From application to pre-approval.
Applying
7 questions
Apply online any time; it takes about 15 minutes. Prefer help? Call us at (800) 968-5844.
Usually 60 to 90 days. If it expires before you find a home, we can update it.
As soon as you are serious about buying. It sets your real budget and lets you make a strong offer the day you find the right home. It is not required to start looking.
Unfreeze your credit at Equifax, Experian and TransUnion before you apply, and have your ID, bank statements and income documents ready.
Everything except the closing itself. You review, upload and sign documents in a secure portal.
Usually yes if no one on the loan has owned a home in the past three years. First-time buyers can qualify for extra programs and savings.
When you go ahead with a CapCenter loan, we charge an upfront Good Faith Deposit. It's refunded in full when your loan closes.
Still have questions?
Talk to a real person. Call 1-800-968-5844, Monday to Friday, 8:30 am to 6 pm ET.