How to Get Pre-Approved for a Mortgage in Maryland

A pre-approval is a lender's written review of your finances that shows what you may be able to borrow. It helps you shop with confidence and shows sellers you are serious.

Pre-qualification vs. pre-approval

A pre-qualification is a quick estimate. A pre-approval involves documents and a credit review, so it carries more weight with sellers.

What to gather

Typically recent pay stubs or income records, tax returns or W-2s, bank statements and ID. See the full documents checklist.

How long it lasts

Pre-approvals are time-limited and depend on your finances staying consistent. Avoid new debt or large unexplained deposits while you shop.

Start the process

Call Chris at (410) 913-1530 or apply online.

FAQ

Does pre-approval hurt my credit?

A credit check is part of the process. Ask Chris how it will be handled.

Is pre-approval a guarantee?

No. Final approval depends on underwriting, the property and your finances at closing.

Helpful Resources

• CFPB: Owning a Home

Loan options: Conventional loans | FHA loans | VA loans | DSCR loans

Related: Affordability | First-Time Homebuyer Guide | Programs

Chris Nieberlein NMLS #313519 | Bay Capital Mortgage Corp. NMLS #39610 | Equal Housing Lender. General information, not a commitment to lend. Terms and eligibility vary and are subject to credit approval and underwriting.