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Prequalify and Preapprove

Know What You Can Borrow

Getting prequalified for your mortgage loan gives you an idea of how much you can borrow. Most lenders offer prequalification for free and quickly based on information you provide about your income, employment and assets. The lender may also check your credit.

Let the Seller Know You’re Serious

Getting preapproved for your mortgage loan shows the seller that you’re a serious buyer with viable credit. It’s a conditional commitment based on underwriting review of your loan application, income and asset documentation, credit report and specific loan terms. Once preapproved, you may request a preapproval letter to show sellers that you're a viable buyer.

Important Details




Zions Bank sponsors the Homeowners Café® as a service to the community; therefore, all information provided should be considered as educational in nature and not as professional services. By utilizing the services of, and the information provided by, the Homeowners Café, you acknowledge and agree this does not constitute any legal commitment to become a customer of any bank, including Zions Bank and its affiliates nor does it constitute an offer of any extension or modification of any credit to you by Zions Bank or its affiliates.

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Homeowner’s Café®
This page was last modified on Thu Oct 19 14:18:40 MDT 2017