Does getting pre-approved affect my credit score?

We start with a soft credit pull to review your options, which does not affect your credit score. A hard inquiry is only done when you are ready to formally apply.

How long is a mortgage pre-approval good for in Arizona?

A standard mortgage pre-approval is valid for 90 to 120 days. If your search takes longer, we can easily update your documents and extend it.

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

You will typically need your last 30 days of pay stubs, 2 years of W-2s, 2 years of tax returns, and 2 months of bank statements.

What is the difference between pre-qualification and pre-approval?

A pre-qualification is a quick estimate based on self-reported data. A pre-approval is a firm commitment from a lender after verifying your income, assets, and credit.

Home Buying Starts Here.

Get a clear picture of your buying power in minutes. Competitive rates, fast closings, and local expertise.

Why Pre-Approve?

Shop with Confidence

Sellers take pre-approved buyers seriously. Know your budget before you fall in love with a home.

Know Your Budget: Understand exactly how much home you can afford, avoiding wasted time on properties outside your range.
Stronger Offers: A pre-approval letter makes your offer more attractive to sellers, giving you an edge in competitive markets.
Faster Closings: Streamline the mortgage process once you find your home, leading to a quicker and smoother closing.

Meet Celina

Your Dedicated Arizona Realtor

Already pre-approved and ready to start house hunting? Celina is our trusted real estate partner, ready to help you navigate the Arizona market, find the perfect home, and make a competitive offer. Her expertise ensures a seamless home-buying journey from start to finish.

602-413-2951 Email Celina

Our Easy Pre-Approval Process

Quick Application

Fill out our secure online form in just minutes, providing basic financial information.

Rapid Review

Jonathan will personally review your submission and answer any questions.

Verified Letter

Receive your official pre-approval letter, ready to present with your offers!

No Impact to Your Credit Score

We start with a "soft inquiry" to review your options. This does not affect your credit score. A "hard inquiry" is only needed when you are ready to move forward with a full application.

Check Your Eligibility Today

Secure, confidential, and lightning fast.

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner

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What type of loan do you need?

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Contact Information

First Name

Last Name

Phone

Are you currently under contract?

Yes, under contract No, still browsing

When do you plan to buy?

Upload Mortgage Statement / Pay Stub (Optional)

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📋 Licensing & Consent Information

Roadrunner AZ Lending is a licensed mortgage entity (NMLS #2064741) conducting business as an Equal Housing Lender. Jonathan Moses is a licensed Senior Loan Officer under NMLS #2064741.

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