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“Some programs may give you instant online approval,” the SDCCU website states. For more personalized rates, select “Mortgage Loans” from the home page then “Get Pre-Qualified.” On a mobile device,
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Free Lender Pre-Approval Letter. A Pre-Approval Letter from a direct lender is the strongest possible evidence of a homebuyer’s ability to obtain a mortgage. Upon completing your online application, your Loan Officer will provide you with a list of income and asset documentation to submit through a secure website portal.
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A small fee is usually charged for this service, and once you’re approved, you’ll receive a letter that states the loan amount and the length of time that the offer will remain open. It’s important to remember that pre-approval doesn’t mean you’re guaranteed to be approved for a mortgage on any home you choose.