Get pre-approved before you shop.
A pre-approval tells you what you may be able to borrow before you start touring homes, and it shows sellers you've done your homework. I'll review your income, credit, and assets, explain your options in plain language, and tell you exactly what's needed.
Pre-approval at a glance
- Income, credit and assets reviewed up front
- Know your price range before you shop
- A letter you can include with your offer
- FHA, VA, conventional, jumbo and more
Secure application through NOVA Home Loans
A real review of your file, before you make an offer.
A mortgage pre-approval is a lender's review of your income, your credit, your assets, and your monthly debts, done before you find the house. When it's complete, you get a pre-approval letter that shows the loan amount you may qualify for, based on the documents you provided.
It's different from an online estimate. A pre-qualification is based on what you type into a form. A pre-approval is based on your actual pay stubs, statements, and credit report, so you can shop with a clearer picture of your price range and payment.
A pre-approval isn't a final loan approval or a commitment to lend. Underwriting, the appraisal, and the property still need to check out. Starting with a careful review just means fewer surprises later.
Why pre-approval matters when you write an offer.
Homes across the valley, from Summerlin to Henderson, can draw interest from several buyers. A pre-approval helps you move with confidence when you find the right one.
Offers taken seriously
Listing agents look closely at the letter that comes with your offer. A pre-approval shows your financing has been reviewed.
Know your real price range
See what you may qualify for and an estimated monthly payment, so you focus on homes that fit your budget.
Ready when you are
With your documents already reviewed, you're prepared to write an offer when the right home comes up.
Fewer surprises
Questions about income, credit or assets come up early, while there is still time to address them.
Pre-qualified or pre-approved: what is the difference?
Both can be useful. Only one is built on a real review of your file.
A quick estimate
- Based on information you share
- Usually no documents reviewed
- A starting point for planning
- Helpful early in your search
A reviewed file
- Based on your actual documents
- Credit, income and assets reviewed
- A letter you can include with an offer
- Best before you start touring homes
Documents you may need to get started.
The exact list depends on your loan program and your situation. I'll tell you what applies to you, so you only send what's needed.
- Recent pay stubs
- W-2s and, in many cases, tax returns
- Recent bank and asset statements
- A government-issued photo ID
- Details on any other income
- Business returns or bank statements if self-employed
- A gift letter if family is helping
- Your Certificate of Eligibility for a VA loan
From first call to pre-approval letter.
I'll tell you what's needed and keep you updated along the way.
Talk it through
Tell me your goals, your timeline, and what you're comfortable spending. No application needed for that first conversation.
Apply securely
Complete the secure application through NOVA Home Loans and authorize a credit review.
Send your documents
Upload the documents on your list. I review your income, credit, and assets and follow up with any questions.
Get your letter and shop
You'll get a pre-approval letter based on your reviewed file. As you write offers, I'm here for you and your agent.
Keep your pre-approval on track until closing.
A few habits can help protect your loan between your letter and closing day.
Hold off on new credit
Opening new cards or loans can change your credit and your monthly debts.
Check in on job changes
A new job or a change in pay can affect your loan. Call me before you make a move.
Document large deposits
Large deposits may need a paper trail. If money is coming in, let me know how it's being documented.
Keep your letter current
If your search takes a while, I may need updated documents to refresh your letter.
Not ready to apply? Start here.
Share a few details about your plans and Mark's team will follow up to talk through pre-approval.
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Start your pre-approval.
Use NOVA Home Loans' secure application, or call or text me with questions first.
- Call or text
(702) 813-3163 - Email
[email protected] - Hours
Monday to Friday, 8:00 AM to 5:00 PM
Evenings and weekends by appointment
Secure application through NOVA Home Loans. Applying is not a commitment to lend.
Rooted in Las Vegas, licensed in nine states.
I help homebuyers and homeowners throughout the Las Vegas valley, from Summerlin and Centennial Hills to Henderson, Green Valley, North Las Vegas, Enterprise, and Spring Valley, and out to Pahrump. My office is at 5516 S. Fort Apache Rd., Suite 120, in southwest Las Vegas.
Where Mark can help
Mark works out of NOVA Home Loans' southwest Las Vegas office and is licensed to originate loans in Nevada, Arizona, California, Colorado, North Carolina, Oregon, Pennsylvania, Texas, and Washington. Program availability varies by state. Verify licensing at NMLS Consumer Access (NMLS #351484).
Pre-approval questions.
Straight answers for Las Vegas homebuyers. Don't see yours? Just ask.
Is a pre-approval a guarantee that my loan will close?
What's the difference between pre-qualified and pre-approved?
Does getting pre-approved check my credit?
How long is a pre-approval good for?
Can I get pre-approved if I'm self-employed?
Should I spend the full amount I'm pre-approved for?
What can hurt my pre-approval before closing?
What areas do you serve?
Mark Sangster, Senior Loan Officer, NMLS #351484. NOVA Financial & Investment Corporation, DBA NOVA Home Loans, NMLS #3087. 5516 S. Fort Apache Rd., Suite 120, Las Vegas, NV 89148. Office (702) 463-6682. Verify licensing at www.nmlsconsumeraccess.org. This is not a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and program guidelines. Programs, rates, terms, and availability are subject to change without notice. Equal Housing Opportunity.
Ready to get pre-approved?
Start your secure application, or call or text me first with questions. No pressure, just straight answers.