Work Hard Mortgage

Get Pre-Approved With Confidence

Pre-approval is the first real step toward buying a home. It shows sellers you’re serious, helps you shop within your budget, and gives you a clear picture of your financing. Best of all - it’s faster and easier than most people think.

Ready to Apply? Let’s Get Started.

f you’re ready to take the next step, you can start your application now. It’s quick, secure, and gives us the info we need to help you move forward.

Start My Application

What You'll Need To Get Pre-Approved

ID (Drivers license or state ID)
Last 2 pay stubs
W-2's and/or tax returns (last 2 years)
Recent bank statements
Social Security number for credit pull

TIP: You don’t need perfect documents or a big down payment to get started - we’ll help you gather what you need.

How Long Does It Take?

Most people can complete their application in 10–15 minutes, and you’ll typically have a decision within 1 business day.

Soft vs. Hard Credit Pull – What’s the Difference?

We get it - not everyone is ready to dive in headfirst. That’s why we give you two options:

Soft Credit Pull

(Best for exploring your options)

Doesn’t affect your credit score
Gives us enough info to estimate what you may qualify for
Great if you’re more than 90 days out or just starting your research
Lets you ask questions and get direction without pressure

Hard Credit Pull

(Best if you’re serious about buying soon)

Required for official pre-approval
Shows sellers you’re a qualified, serious buyer
May impact your credit slightly (usually just a few points)
Recommended if you’re planning to buy within the next 90 days

Which Should You Choose?

If you’re just gathering info - go with the soft pull.
If you’re actively house hunting or want to be offer-ready - choose the hard pull and let’s move forward confidently.

What Happens After You Apply

1

We review your application

2

We reach out to go over your numbers & options

3

You get a pre-approval letter - often within 24 hours

4

Your'e ready to start shopping with confidence

Ready to Apply? Let’s Get Started.

If you’re ready to take the next step, you can start your application now. It’s quick, secure, and gives us the info we need to help you move forward.

Start My Application

From Rents to Roots

Get Pre-Approved With Confidence

Pre-approval is the first real step toward buying a home. It shows sellers you’re serious, helps you shop within your budget, and gives you a clear picture of your financing. Best of all - it’s faster and easier than most people think.

Ready to Apply? Let’s Get Started.

f you’re ready to take the next step, you can start your application now. It’s quick, secure, and gives us the info we need to help you move forward.

What You'll Need To Get Pre-Approved

ID (Drivers license or state ID)

Last 2 pay stubs

W-2's and/or tax returns (last 2 years)

Recent bank statements

Social Security number for credit pull

How Long Does It Take?

Most people can complete their application in 10–15 minutes, and you’ll typically have a decision within 1 business day.

Soft vs. Hard Credit Pull – What’s the Difference?

We get it - not everyone is ready to dive in headfirst. That’s why we give you two options:

Soft Credit Pull

Hard Credit Pull

Which Should You Choose?

What Happens After You Apply

1

We review your application

2

We reach out to go over your numbers & options

3

You get a pre-approval letter - often within 24 hours

4

Your'e ready to start shopping with confidence

Ready to Apply? Let’s Get Started.

If you’re ready to take the next step, you can start your application now. It’s quick, secure, and gives us the info we need to help you move forward.