Make your offer stand out from the pack.

Outpace the competition with a Priority Purchase pre-approval and discover just how much house you can afford.

More Than Just Your Average Pre-Approval

We fully verify your income, credit and other factors so you’re fully pre-approved for a loan before you start home shopping. That way, you can make an offer that’s fully vetted and hard to turn down.

Search with Certainty

Trust the experts at Wyndham Capital to help you navigate the pre-approval process so you enter the housing market confident in what you can afford.

Power in Priority

Our Priority Purchase Program goes beyond basic approval factors so you’ll be in a position to make an unbeatable offer when you find a home you love.

Close with Speed

With eClosing, you can close on your loan whenever and wherever you want. We take quick closings seriously – so much so that we close loans 15% faster than the industry average.

Wyndham Capital Mortgage understands that time is of the essence when you find the home of your dreams. Be a top buyer on the block with the power of a Priority Purchase mortgage pre-approval at your fingertips. We verify your income, credit and other lending factors to help give you an advantage over the competition.

The Priority Purchase Program allows you to search with confidence knowing how much house you can actually afford. When you do find your perfect house, you’ll be able to customize your underwritten pre-approval and deliver a property-specific offer letter that’s as good as cash, all from your smartphone. With your approval already underwritten, you can save valuable time during the rest of the loan process. Learn more about the mortgage pre-approval online process below.

What is a mortgage pre-approval?

A mortgage pre-approval is when a lender checks your credit and necessary financials to determine how much money you can borrow for a loan, how much you can pay per month and what your interest rate will be. Getting pre-approved is an essential step in the homebuying process.

What should I do before getting pre-approved for a mortgage?

Prior to getting pre-approved for a mortgage, borrowers should first determine their homebuying timeline, make sure credit scores are up to par and pay down any debt possible. Doing so can make the pre-approval process go smoothly and help you qualify for your desired loan amount.

What do I need for a mortgage pre-approval?

To be considered for a mortgage pre-approval, potential borrowers need a source of stable income and good credit.

What documents do I need for a mortgage pre-approval?

Pre-approval requirements may vary from lender to lender, but typically borrowers need to show proof of income, assets and employment, a government-issued ID, social security number and tax returns. With a mortgage pre-approval digital process, you can upload your information from your computer or smartphone at your convenience.

Does getting pre-approved for a mortgage affect your credit score?

To pre-approve you for a mortgage, lenders will need to do a hard inquiry on your credit – which, yes, can affect your credit score.

Where do I get a pre-approval for a mortgage?

Getting a mortgage pre-approval is streamlined thanks to Wyndham Capital Mortgage’s Priority Purchase Program, which allows you to apply online and get customized rates.

How do I get pre-approved for a mortgage?

Contact your mortgage lender to find options on how to apply for a mortgage pre-approval or work with a digital lender that offers an efficient mortgage pre-approval online process.

How long does a mortgage pre-approval take to get?

On average, it can take one to three days to get an answer as to whether you’ve been pre-approved for a home loan.

How long does a mortgage pre-approval last?

On average, mortgage pre-approvals are valid for 60 to 90 days. This is why it’s important for your pre-approval to line up with your homebuying timeline.

How many mortgage pre-approvals can I get?

The sweet spot for the number of mortgage pre-approvals to get is three. Applying for more than three is not recommended because mortgage pre-approvals can negatively impact your credit score. It is advised to only get a pre-approval when you’re ready to purchase a home.

Why would I not get pre-approved?

One of the main reasons borrowers don’t get pre-approved for a mortgage is because they don’t have all the necessary financial requirements in place, such as a good credit score (generally 620 or higher) and a steady source of income (i.e., two years at the same job or in the same industry).

What should I do if I don’t get pre-approved?

If you don’t get pre-approved for a mortgage, first ask your loan officer the specific reasons you weren’t approved. With this information, you can do what it takes to improve your financial situation and reapply for a mortgage pre-approval online.

What are the benefits of getting a mortgage pre-approval online?

At Wyndham Capital Mortgage, we offer a streamlined online mortgage pre-approval process that can save our borrowers time and money. With a digital process, you can complete your application and upload your financial documents at home or on the go.