Take the First Step

Toward Owning

Your Dream Home

Getting pre-approved helps you understand your budget, strengthens your offer, and gives you the confidence to move quickly when you find the home that's right for you

MISSOURI

ILLINOIS

Take the First Step

Toward Owning

Your Dream Home

Getting pre-approved helps you understand your budget, strengthens your offer, and gives you the confidence to move quickly when you find the home that's right for you

MISSOURI

ILLINOIS

WHY GET PRE-APPROVED?

Pre-Approval Gives You the Advantage

Strengthen your offer. Save time. Shop smarter.

Stronger Offers

Stand out to sellers and increase the chances of your offer being accepted.

Know Your Budget

Understand how much you can afford before you start searching.

Save Time

Move quickly when you find the right home and beat other buyers.

Better Negotiations

Negotiating from a position of strength can save you thousands.

More Confidence

Buy your next home with peace of mind and total confidence.

WHY GET PRE-APPROVED?

Pre-Approval Gives You the Advantage

Strengthen your offer. Save time. Shop smarter.

Stronger Offers

Stand out to sellers and increase the chances of your offer being accepted.

Know Your Budget

Understand how much you can afford before you start searching.

Save Time

Move quickly when you find the right home and beat other buyers.

Better Negotiations

Negotiating from a position of strength can save you thousands.

More Confidence

Buy your next home with peace of mind and total confidence.

THE PRE-APPROVAL PROCESS

It's Simple. It's Fast. It's Worth It.

1

Complete the Form

Fill out a quick application so we can connect you with a trusted lending partner.

2

Lender Reviews

Your lender reviews your application and verifies your financial information.

3

Get Pre-Approved

Receive your pre-approval letter and understand your buying power before you begin your home search.

4

Find Your Home

Tour homes with confidence and make a strong offer when you find the perfect home.

Work With a Local Expert

Who's on Your Side

I partner with top local lenders to help you get pre-approved quickly and easily.

I'm here to guide you every step of the way from application to closing.

Alicia Johnson

Top-Producing Real Estate Agent

Work With a Local Expert

Who's on Your Side

I partner with top local lenders to help you get pre-approved quickly and easily.

I'm here to guide you every step of the way from application to closing.

Alicia Johnson

Top-Producing Real Estate Agent

Your Preferred Lending Partner

Meet Your Mortgage Expert

Molly Call

Mortgage Loan Originator

Helping Families Finance Their Dream Home

Licensed Mortgage Professional

Whether you're buying your first home, upgrading, refinancing, or investing, I'm here to guide you every step of the way. My goal is to make financing simple, transparent, and stress-free while helping you find the loan that best fits your financial goals.

Office

(314) 397-1423

Fax

(636) 244-4725

Email

[email protected]

NMLS #

1099496

Get Pre-Approved Visit Website

Everything You Need to Know About Pre-Approval

Frequently Asked Questions

Have questions about getting pre-approved? Find clear answers to the most common questions about the mortgage pre-approval process, what to expect, and how it helps you confidently start your home-buying journey.

No. A pre-approval shows that a lender has reviewed your financial information and believes you qualify for a loan. Final approval depends on factors such as the property's appraisal, title review, and verification of your financial information before closing.

A pre-approval helps you understand your budget, strengthens your offers, and allows you to move quickly when you find the right home. It also gives sellers greater confidence in your ability to secure financing.

Yes, most lenders perform a hard credit inquiry, which may temporarily lower your credit score by a few points. However, getting multiple mortgage inquiries within a short period is generally treated as a single inquiry by most credit scoring models.

Most mortgage pre-approvals are valid for 60 to 90 days. If your home search takes longer, your lender can usually update or renew your pre-approval with current financial information.

To get pre-approved, you'll typically need to provide proof of income, employment details, bank statements, tax documents, a valid photo ID, and information about your debts and assets. Your lender will let you know if any additional documentation is needed.

In most cases, no. Many lenders offer mortgage pre-approvals at no cost. It's always a good idea to confirm with your lender if any fees apply before beginning the process.