Pre-qualifying and Pre-approval

Why should you pre-qualify?

Sellers gravitate toward offers at list price (or more), and many of them also want to be sure that you are qualified with a secured home loan financing.

This is why you should represent yourself and your offer as favorably as possible.



This is a relatively simple process, where most lenders simply run your credit and collect specific data in order to generate your pre-qualification letter. The letter is not a guarantee of your financing; rather it’s a preliminary approval pending the verification of your assets and credit.

 A pre-qualification letter does not translate into a leverage that will get your offer accepted.


 At Nation Wholesale Lending, we bypass the pre-qualification step and actually process your loan application. By processing your loan application up-front, we can get your loan pre-approved and secure your financing. This further assures you are ready to hit the ground running as a buyer. 

 The following activities are part of the pre-approval process:

  • Collection of all required documents
  • Credit evaluation
  • Employment and asset verification
  • Underwriting submission
  • Identification of potential challenges and their solutions
  • Issuance of a formal intent to loan the funds

​As far as sellers are concerned, an offer with a pre-approved loan is as good as cash. It gives you an edge over other interested buyers.

Contact us About Your Loan Now!



Everyone deserves to own a home. We support homeowners in their journey towards home ownership, stability and personal wealth.  


Nation Wholesale Lending is dedicated to ongoing growth and education of our broker partners, and providing thoughtful and ethical direction to our borrowers. 


The market is unfortunately full of predatory and discriminatory lenders. Nation Wholesale Lending provides professional services without bias towards race, gender, sexual identity, economic disposition, or background.