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Get pre-approved for a Conventional loan before house hunting. Know your budget, strengthen your offer, and close faster. Nevada's competitive market demands a strong pre-approval letter.
Senior Loan Officer | 15+ Years Nevada Mortgage Experience
Michael specializes in mortgage pre-approvals for Nevada homebuyers, with particular expertise in complex income scenarios including self-employed borrowers, 1099 contractors, and commission-based income. Since 2010, he has pre-approved over 2,800 Nevada buyers with a 97% subsequent closing rate. Michael holds the Certified Mortgage Planning Specialist (CMPS) designation and provides same-day pre-approval letters with complete underwriting review, ensuring Nevada buyers can compete with confidence in fast-moving markets like Las Vegas and Reno.
Quick estimate based on self-reported information
No credit check or documentation required
Takes 15-30 minutes, done online or by phone
Good for early budget planning only
Not verified – sellers don't take it seriously
Full verification with credit check and income documentation
Official letter stating exact loan amount approved
Takes 1-2 business days with full documentation
Shows sellers you're a serious, qualified buyer
Gives you negotiating power in competitive markets
Have these ready to speed up the pre-approval process
Pro Tip: Upload digital copies ahead of time to get pre-approved faster
Fill out the mortgage application (Form 1003) online or with a loan officer. Provide basic info about income, assets, debts, and the property you're looking for. Takes 20-30 minutes.
You'll authorize a credit pull (soft inquiry that doesn't harm your score significantly). Upload income verification, bank statements, and ID. Lender reviews everything for accuracy.
An underwriter analyzes your financial profile: credit score, debt-to-income ratio, employment stability, and assets. They determine how much you qualify for and loan terms. May request additional documentation.
Once approved, you receive an official letter stating your approved loan amount, estimated rate, and down payment. This letter is valid for 60-90 days and can be shown to sellers and agents. In Nevada's competitive market, this letter makes your offer stand out.
With pre-approval in hand, you know your exact budget. Real estate agents take you seriously, and sellers view your offers as credible. When you find the right home, you can move quickly and negotiate from strength.
Total Timeline: 24-48 Hours
Most pre-approvals are completed within 1-2 business days with complete documentation
In competitive Nevada markets like Las Vegas and Reno, pre-approved buyers are 3x more likely to have offers accepted over non-approved buyers.
Stop guessing. Know exactly how much home you can afford before you fall in love with a property outside your range.
Most of the paperwork is already done. Pre-approved buyers close 7-10 days faster than those who wait until after offers are accepted.
Sellers know you're serious and qualified. This gives you leverage to negotiate on price, repairs, or closing costs.
Identify potential credit or income issues before you make an offer, not after. Fix problems early and avoid last-minute deal killers.
Real estate agents prioritize showing homes to pre-approved buyers because they know the deal is more likely to close.
Get your pre-approval letter in 24 hours. Start house hunting with confidence knowing exactly what you can afford and that sellers will take your offer seriously.
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Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License
Licensed to conduct business in Nevada
NMLS Consumer Access: www.nmlsconsumeraccess.org
We are an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This company does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or handicap.
This is not a commitment to lend. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Additional restrictions may apply. Property insurance required. Flood insurance may be required. This website is for informational purposes only and does not constitute financial advice. Consult with a licensed loan officer for personalized guidance.