Debt-to-income ratio Loan Officer Pre-qualification 
Redfin
JULY 9, 2025
Getting pre-approved for a mortgage is one of the first steps in the homebuying journey. But if you’re ready to start shopping for a home, you might be wondering: how long does it take to get pre-approved for a mortgage? What is mortgage pre-approval? How long does it take to get pre-approved for a mortgage?
Rochester Real Estate
NOVEMBER 5, 2015
For example, if you use a bank for your loan you may already have a pre-existing relationship with them and they sometimes offer very competitive interest rates. Have you tried calling a bank on a Saturday night to get a pre-approval letter? These include improving credit and balancing your debt to income ratio.
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Housing Wire
MAY 7, 2025
She was a responsible borrower but made a mistake: she had lost track of her student loan payments and was 60 days late. The client, who logged into her student loan portal and made a payment, is now in limbo about whether a new credit report needs to be pulled in her 90-day escrow, the loan officer at Guild Mortgage told HousingWire.
Housing Wire
MARCH 30, 2021
It’s no secret credit scores can hinder a potential borrower’s ability to qualify for the best loan program, which can ultimately lead to poor borrower satisfaction. Borrowers don’t always know or understand how their credit or debt-to-income ratio (DTI) impacts the type of loan they can qualify for.
Housing Wire
MAY 25, 2022
Between significantly fewer refinances, rising mortgage rates and housing inventory nearly cut in half since 2020, loan officers (LOs) and brokers face a pivotal time where adaptation is a must for success. More and more frequently, these factors don’t impact a potential borrower’s ability to repay.
Realtor.com
NOVEMBER 11, 2022
Here are more step-by-step home-buying details, including information about down payments, closing costs, mortgage rates, pre-approved mortgages, and more. Step 2: Qualify for a home loan or loan pre-approval. Consider this pre-qualifying step akin to getting a full medical checkup before you train for a marathon.
Realty Biz
SEPTEMBER 30, 2023
Seek professional advice: Working with a mortgage professional, such as a loan officer or mortgage broker, can provide valuable guidance. They can help you navigate the mortgage process and identify suitable options based on your financial situation and provide you with a pre-approval. Reduce your existing debt.
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