Get pre-approved in 60 minutes.
FHA, VA, Conventional, DSCR, Non-QM, and Jumbo loans. Our in-house mortgage team serves Palm Beach, Broward, and Miami-Dade County.
Get Pre-Approved
Mortgage Capital: FHA, VA, Conventional, Jumbo, DSCR, Non-QM
Pre-qualified vs. pre-approved
- —Based on self-reported income & assets
- —No credit pull required
- —Takes minutes. No documentation
- —Sellers treat it as an estimate, not a commitment
- —Often confused with pre-approval
- ✓Verified income, assets, and credit
- ✓Hard credit pull included
- ✓Takes 60 minutes with our team
- ✓Sellers treat it as a genuine commitment
- ✓Required in most competitive offers
What happens after you submit
Loan officer calls you within 60 minutes
A licensed loan officer reviews your application and calls to confirm details, discuss loan options, and collect any outstanding documents.
Credit and income review
We pull a tri-merge credit report and verify your income documentation. Most borrowers complete this same day.
Pre-approval letter issued
You receive a signed pre-approval letter specifying your loan amount, loan type, and expiration date (typically 90 days).
Start touring homes
Your Pure Equity Realty agent coordinates directly with your loan officer — no back-and-forth between strangers. Offers go out faster.
Close in ~30 days
Because your mortgage and real estate are in-house, underwriting, title, and closing all coordinate internally. That cuts weeks off the typical timeline.
What to have ready
Which loan is right for you?
| Loan Type | Min. Down | Min. Credit | Best For |
|---|---|---|---|
| FHA | 3.5% | 580+ | First-time buyers, lower credit scores |
| Conventional | 3% | 620+ | Strong credit, avoiding mortgage insurance |
| VA | 0% | 580+ | Veterans & active military (no PMI) |
| Jumbo | 10–20% | 700+ | Luxury homes above conforming limits |
| DSCR | 20% | 660+ | Investors. Qualifies on rental income |
| Non-QM | Varies | 580+ | Self-employed, bank statement loans |
Common questions about pre-approval
How long does mortgage pre-approval take in South Florida?+
With Mortgage Capital by Pure Equity Realty, most borrowers receive a pre-approval letter within 60 minutes of submitting their application. Full underwriting approval typically takes 24–48 hours depending on document readiness.
What is the difference between pre-qualified and pre-approved?+
Pre-qualification is an informal estimate based on self-reported income and assets. It carries no weight with sellers. Pre-approval involves a verified review of your credit, income, and assets. The result is a letter that sellers and listing agents treat as a genuine commitment to lend.
What documents do I need for mortgage pre-approval?+
You will need two years of W-2s or tax returns, and 30 days of pay stubs. Also bring two months of bank statements and a government-issued ID. You will also need your Social Security number for the credit pull. Additional documents may be required depending on your loan type.
What credit score do I need to buy a home in Florida?+
FHA loans are available with a credit score as low as 580 with 3.5% down. Conventional loans typically require a 620 minimum score, though the best rates are available at 740+. VA loans have no official minimum but most lenders require 580–620. DSCR investor loans often require 660+.
Can I get pre-approved and work with a real estate agent at the same time?+
Yes. In fact, this is ideal. Because Pure Equity Realty and Mortgage Capital are under the same roof, your loan officer and agent coordinate directly. That speeds up the process and reduces delays at closing. You are not required to use Mortgage Capital as a condition of working with Pure Equity Realty.
How long is a mortgage pre-approval letter valid?+
Pre-approval letters are typically valid for 60–90 days. After that period, you may need to refresh your credit pull and update income documentation. If your financial situation has not changed, renewal is usually a quick process.
Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval, underwriting guidelines, and property appraisal. NMLS# 1859012. RE License# BK3276618. Licensed in Florida.
AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE (RESPA §8): Pure Equity Realty and Mortgage Capital are affiliated businesses under common ownership. Because of this relationship, referrals between these companies may provide a financial benefit to the referring party. You are NOT required to use Mortgage Capital as a condition of your real estate transaction. You are free to shop for these services and select the provider of your choice.
Ready to start your home search in South Florida?
Get pre-approved and browse active MLS listings across Palm Beach, Broward, and Miami-Dade.