How to Get Pre-Approved for a Mortgage in 2026 (Step-by-Step)

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How to Get Pre-Approved for a Mortgage in 2026 (Step-by-Step)

Buying a home in the Pacific Northwest? This video breaks down exactly how mortgage pre-approval works, what documents you need, and the timeline from pre-approval to keys in hand.

Whether you're a first-time home buyer in Vancouver WA, Portland, or anywhere in Clark County, this home loan game plan will help you avoid the #1 mistake that costs buyers their dream home: confusing pre-qualification with pre-approval.

This video provides a solid game plan for anyone looking to navigate the process of buying a house, especially first time home buyer in competitive markets.

Learn the ins and outs of mortgage pre approval and how it differs from mortgage pre-qualification, ensuring you're well-prepared. I cover essential home buying tips, including necessary documents and timelines, to help you secure your dream home without surprises.

TIMESTAMPS:
0:38 - PRE-APPROVAL vs. PRE-QUALIFIED
0:45 - DOCUMENTS NEEDED FOR PRE-APPROVAL:
Last 2 pay stubs
Last 2 years W-2s (or tax returns if self-employed)
Last 2 months bank statements (all pages)
Valid driver's license or ID
1:12 - Your Purchase Timeline


🏠 HOME BUYING TIMELINE:
1. Pre-Approval → Verify income, credit, assets
2. Home Shopping → Work with your real estate agent
3. Offer Accepted → Appraisal, underwriting, conditions
4. Clear to Close → Final numbers, signing, keys!

DISCLAIMER: This video is for educational purposes only and does not constitute financial advice. Loan approval is subject to credit and income verification. Contact a licensed loan officer for guidance specific to your situation.
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I'm Dustin Hutley with Envoy Mortgage in Vancouver , WA. I help first-time buyers and small investors in SW Washington & Portland metro find their clear path to homeownership - even if you've been told no before.

You're not denied. You're on a path. Let's find yours!
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📍 I'm licensed in Washington & Oregon
🎯 Specializing in: First-time buyers, self-employed borrowers, down payment assistance programs, investment properties

#MortgagePreApproval #HomeBuyingProcess #VancouverWA