How to Get Pre-Approved for a Mortgage in Wisconsin Quickly
If you're thinking about buying a home in Wisconsin, the smartest first move you can make is getting pre-approved. A fast pre-approval shows sellers you're serious, locks in your buying power, and helps you move quickly when the right home hits the market.
Here's exactly how to get it done - quickly and confidently.
Step 1: Get Organized Ahead of Time
Before applying, gather these basic items:
- Most recent 30 days of pay stubs
- Last 2 years of W-2s (or tax returns if self-employed)
- Recent bank statements
- Copy of your ID
If you don't have every item ready, don't stress - my team verifies income and assets electronically through secure systems like Finicity and Argyle so you can skip most of the paperwork.
Step 2: Apply Online in Minutes
You can start your mortgage pre-approval 24/7 from your phone or computer. My quick-start link below takes less than 10 minutes and allows us to pull credit instantly, run automated underwriting, and deliver your results fast.
Apply now: https://myuhm.uhm.com/homehub/signup/azeman@uhm.com?from_mobile_share=true
Step 3: Let Us Underwrite Up Front
At Union Home Mortgage, we don't stop at a basic pre-qual. We underwrite your income up front, so your pre-approval is solid and ready for any competitive offer. This step removes surprises later and gives you (and your Realtor) complete confidence in your buying power.
Step 4: Understand Your Options
Every borrower is unique, so we compare multiple programs side-by-side:
- Conventional 3% Down - Low MI, flexible terms
- FHA 3.5% Down - Easier credit qualification
- VA 0% Down - No MI for veterans and service members
- USDA 0% Down - For eligible rural areas
- HomeStart DPA - Union Home Mortgage's in-house Down Payment Assistance to reduce or eliminate upfront cash requirements
We'll show you total cash-to-close, monthly payment, and long-term savings so you can choose the right loan confidently.
Step 5: Get Your Pre-Approval Letter Same Day
Once we review your application and documents, we can issue a same-day pre-approval letter so you can begin touring homes immediately. Realtors love it because it makes your offer stand out.
Ready to Get Started?
Whether you're buying your first home, upgrading, or relocating anywhere in Wisconsin, my team and I make the process clear, quick, and stress-free.
📍 Serving all of Wisconsin - Milwaukee, Waukesha, Brookfield, Madison, and beyond.
🌐 www.mkemortgage.com
📱 Call/Text 414-975-2654
📧 azeman@uhm.com
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