Welcome to your Mortgage Pre-Approval Journey

Getting pre-approved is one of the smartest first steps you can take on the road to homeownership. It sets a clear budget, strengthens your negotiating position, and helps you shop for homes with confidence. At Owens Realty Team, we help connect you with trusted local lenders who make the process simple, transparent, and stress-free.

👉 Start your path to homeownership

Your new front door is closer than you think.

Benefits of Getting Pre-Approved

Know Your Budget: Understand exactly how much home you can afford before you start shopping.

Shop with Confidence: Sellers take pre-approved buyers more seriously — giving you a competitive edge.

Save Time: Focus only on homes that fit your price range and loan type.

Negotiate Stronger: A pre-approval letter shows sellers you’re ready and qualified to buy.

Faster Closings: Most of the paperwork is already handled when you find “the one,” helping you move in sooner.

Mortgage Calculator

Trusted Lending Partners

We believe every home purchase deserves a strong financial foundation. Owens Realty Team partners with experienced, local mortgage professionals who understand the Triangle market and take the time to educate and guide you through financing options.

đź’¬ Need a referral?

We’ll gladly introduce you to one of our trusted lending partners who can help you get pre-approved quickly — and with confidence.

Mortgage Pre-Approval FAQs

What is mortgage pre-approval?
It’s an official letter from a lender stating how much money you’re qualified to borrow. It’s based on your credit, income, and debts — and it tells sellers you’re a serious buyer.
Most lenders can issue a pre-approval within 24–48 hours once they have your documents.
Typically 60–90 days. If it expires, your lender can easily update it.
Pre-approval involves a credit check, which may cause a very small, temporary dip in your score — usually just a few points.
Expect to provide recent pay stubs, W-2s or tax returns, bank statements, and identification. Your lender will walk you through everything step by step.
No. You’re free to compare loan programs and choose the lender that best fits your needs when it’s time to buy.
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