I can assist you in determining how much you can afford for your home purchase through vital mortgage pre-approvals. This process involves defining your financial strategy, mortgage amount, down payment, and affordability. I can also provide guidance on the required documents for conditional approval. A pre-approval is the first step towards mortgage approval and provides information on the amount you can borrow based on your current finances. It also helps identify any potential obstacles to qualification and speeds up the approval process. The duration of pre-approvals varies, usually lasting 60, 90, or 120 days depending on the lender and your credit standing. Additionally, some lenders offer the option to lock in the interest rate to protect against rising rates. By utilizing advanced tools, we aim to reduce errors, improve efficiencies, and save you time. Our quick pre-qualification tools will give you an idea of what you are qualified for.