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See Pre-Approval Options

Are you a first-time homebuyer?

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Why Pre-Approval Matters

Know Your Budget

Understand exactly how much home you can afford before you start shopping.

Gain Negotiating Power

Sellers take your offer seriously when they see a verified pre-approval letter.

Move Faster

Streamlined paperwork and verified income help you close quickly when you find the right home.

Shop with Confidence

You’ll make decisions backed by real numbers, not guesses or online calculators.

How it works

first Share a few details
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first Hi, I'm Chad, your loan officer, How can I help?
first Share a few details
first No Down
first Hi, I'm Chad, your loan officer, How can I help?
1

Answer a Few Questions

No SSN or hard credit pull required.

2

View Your Loan Options

Personalized approval to your credit, income, and goals.

3

Get Pre-Approved Fast

Our pre-approval manager confirms and issues your pre-approval letter.

Pre-Approval Options

Takes two minutes. Won't affect your credit score.

Frequently asked questions

Q: What does “pre-approval” actually mean?
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Pre-approval means a lender has reviewed your credit, income, and assets to estimate how much home you can afford. It’s stronger than pre-qualification and shows sellers you’re a serious buyer.

Q: Will getting pre-approved hurt my credit?
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Not at all, viewing your personalized options on our site uses a soft credit inquiry that doesn’t affect your score. A full credit check only happens later if you decide to move forward.

Q: How long does pre-approval take?
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Our online pre-approval form can be completed in just a few minutes. Once you upload or verify basic documents, many buyers receive a full pre-approval letter the same day.

Q: How long is a pre-approval valid?
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Most pre-approvals are good for 60–90 days, depending on the loan program. You can easily update it if your situation changes or you’re still shopping.

Q: Do I need to put money down to get pre-approved?
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No. Getting pre-approved costs nothing. You’ll simply provide some basic information to help us determine which loan programs you qualify for.

Q: What is the first step to take advantage getting pre-approved?
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Start with “PRE-APPROVAL OPTIONS” answer the questions, connect with our pre-approval manager and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

Pre-Approval Options

Won't affect your credit score.

Synergy One Lending, Inc. | NMLS 1907235 | http://www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | © 2024 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice. * By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Synergy One Lending to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.