Certified Pre-Approval

Improve Your Home Buying Power

Buying a house is much more than just deciding how many bedrooms and bathrooms you need. It’s crucial to sit down and work out a budget, considering your net income and subtracting our current debt while leaving wiggle room for emergencies. What’s left is your MAP or Maximum Affordable Payment for your mortgage. Determining your MAP is just part of your initial consultation with your Ark Mortgage Advisor. They’ll also describe various ways to maximize your purchasing power.

Pre-Approval FAQs

How much mortgage can I afford?

The first step in buying a house is determining your budget, so start here to get an estimate of how much you could qualify for so you can see how it would fit into your monthly payments. You can calculate your mortgage qualification based on income, purchase price, or total monthly payment—so plug in a couple scenarios to see how it might affect your future home purchase.

The Ark Certified Pre-Approval Difference

Faster Applications

Working with your Personal Mortgage Advisor, you’ll complete the Certified Pre-Approval app in less than 30 minutes

Approvals in 1 Day

Our in-house underwriting team will review your application and documents within 24 hours or less

2 Month Guarantee

The Ark Mortgage Certified Pre-Approval conditionally guarantees your approval limit in writing for 60 days.

Close Within 3 Weeks

With the Ark Express Mortgage, you’ll move from a completed application to the closing table in under 21 days.

A Lifetime of Savings

The Ark Mortgage Lifetime Guarantee gives you the option to refinance later without origination or appraisal fees.