Get approved
before you look
Pre-approval is the step too many buyers skip, and it is the reason their offers lose. It sets your real budget, makes sellers take you seriously, and unlocks programs like zero-down financing that most buyers never knew existed. The fastest way to start: fill out the form on this page and Kelly will connect you with his lender partner for a conversation about your numbers.
Four reasons to get
pre-approved first
Your real budget
Pre-approval turns 'what can I afford' into a number you can trust, including what zero-down and assistance programs change for you.
Offers that get taken seriously
Sellers and their agents flag offers from buyers who are pre-approved. It is the difference between being considered and being skipped.
Speed when it counts
The loan work is already started, so you can close faster and negotiate with confidence instead of hoping the financing works out later.
No surprises
You find out about credit, down payment, and closing cost issues before you are under contract, not after you fall in love with a house.
Pre-qualified vs
pre-approved
They sound the same, but sellers do not treat them the same. Here is the difference in plain language.
Pre-qualification
A quick estimate based on information you give the lender over the phone or online. No documents reviewed, no credit pull behind the scenes. Useful for a ballpark, weak in front of a seller.
Pre-approval
The lender reviews your income, assets, and credit, then issues a written commitment for a specific amount. Sellers see it as money already lined up, and it is the standard most listing agents expect before they take an offer seriously.
The paperwork,
simplified
Pre-approval does not require perfect credit or a huge down payment. It requires a lender who knows the programs, and a handful of documents so they can see your real picture.
Your lender will walk you through exactly what they need. Kelly's lender partner already knows zero-down, down payment assistance, and low-down conventional programs, so the conversation covers your options, not just the one-size-fits-all loan.
- Two years of income history
- Bank and asset statements
- A credit pull with your permission
- A clear picture of your debts
- A down payment and closing cost plan
Your lender partner
Fill out the form below and Kelly will connect you with his lender partner for a conversation about your approval and the programs that fit you. Lenders who know zero-down and assistance programs change what is possible, so this conversation comes before the house search, not after.
Fill Out the FormThe 25% Gift
Planning to sell your current home and buy your next one? When Kelly lists and sells your home, then becomes your buyer agent on the next purchase, he gifts 25% of his buyer agent commission at closing. Pair that with a zero-down approval and the whole move costs less than most people expect.
How the 25% gift worksStraight answers
Why does pre-approval matter before I look at homes?
Pre-approval tells you what you can actually afford, so you search the right price range. It also makes your offer credible: in a competitive Central Florida market, sellers and their agents usually pass on buyers who are not pre-approved.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell the lender. Pre-approval comes after the lender reviews your income, assets, and credit, and produces a written commitment for a specific amount. Sellers treat the two very differently.
How do I get connected with a lender?
Fill out the form on this site and Kelly will connect you with his lender partner, who will reach out for a conversation about your numbers, including zero-down and down payment assistance programs.
Do I need a down payment to get pre-approved?
No. Zero-down and low-down-payment programs are real, and a lender who knows them can pre-approve you within the program that fits. The pre-approval conversation is exactly where those options get sorted out.
Talk to the
lender
Fill out the form and Kelly will connect you with his lender partner, who will reach out for a conversation about your approval and the programs that fit you. No obligation, no pressure, just the real numbers.
Prefer to talk now? Call 407-832-6604 and Kelly will point you to the right lender conversation.
Book a call
Connect With the Lender
Share where you are in the process and Kelly's lender partner will reach out to run your numbers.
Approved first. Offer ready.
Get your real budget with a lender who knows zero-down and assistance programs, then shop with confidence.
Realtor · SL3352000 · eXp Realty · Central Florida