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Getting Pre-Approved

Making It Quick and Easy To Become First-Step Certified!

Obtaining a pre-approval for a mortgage is the first step in owning your own home and Clear Mountain Bank is committed to making this process as quick and convenient as possible. A pre-approval helps you understand the loan amount you may qualify for, before you find a home. Best of all, you can get a pre-approval in as little as the same day!

Get pre-approved online at clearmountainbank.com/mortgages, or contact our team of Mortgage Specialists who will guide you through these quick and easy steps, and get you First-Step Certified in no time!

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Benefits of Pre-Approval

  • Saves you time.

    The pre-approval process will provide you with a realistic price range you can afford. This will help you to manage expectations and make an appropriate choice based on facts.

  • Your loan will close faster.

    A seller can receive multiple offers from other homebuyers. Getting pre-approved gives you an advantage over homebuyers who are not pre-approved when multiple offers are made on a home.

  • More attractive offer.

    Once you find a home, your loan process will be streamlined because you are already pre-approved. This will allow you to move into your new home sooner.

  • Provides added leverage.

    Most home sellers consider offers with a pre-approval letter before those without.

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What You Will Need

You can apply online or one of our Mortgage Specialists can walk you through the application process in person or on the phone. We will also need the following supporting documents to determine your eligibility:

  • One month’s recent pay stubs
  • Two years’ W-2 statements
  • Two years’ complete federal income tax returns
  • Two months’ bank account statements for assets
    (checking, savings, money market, CDs, 401K, etc.)
  • Additional documentation may be needed

Become First-Step Certified

Once you have completed the application and submitted the required documentation, a mortgage loan specialist will evaluate your financial information, including your income, assets, and credit history to determine your borrowing eligibility. Once you’re pre-approved, we will issue you our FIRST STEP PRE-APPROVAL LETTER, which you can present to sellers and realtors as proof of your ability to buy.

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