fhahomeloans.services
QUICK ANSWER — FHA pre-approval takes 24 hours and requires pay stubs, W-2s, tax returns, bank statements, and a credit check. A pre-approval letter shows sellers your approved loan amount and strengthens your offer. Valley West Mortgage offers free FHA pre-approval with no application fees.
Reviewed by Vatche Saatdjian·Valley West Mortgage·NMLS #65506·790+ five-star reviews

FHA Pre-Approval

Pre-approval in 24 hours. See exactly how much home you can afford. Sellers take pre-approved buyers seriously.

Check What You Qualify For → (702) 696-9900
790+
Five-Star Reviews
3.5%
Min Down Payment
50+
Lenders Shopped
28
Avg Days to Close
DOCUMENTS

What You Need

Income

Last 2 pay stubs, W-2s from past 2 years, federal tax returns. Self-employed: 2 years business returns + P&L.

Assets

Last 2 months bank statements for all accounts. Gift fund documentation if using gift money for down payment.

Identity & Credit

Government ID. Credit report pulled by lender. Explanation letters for any derogatory marks if applicable.

PRE-APPROVAL VS PRE-QUAL

Know the Difference

✓ Pre-Approval (What You Want)
✓ Verified income + assets
✓ Credit report pulled
✓ Specific loan amount approved
✓ Official letter for sellers
✓ 90% of the way to closing
✓ Sellers take you seriously
✗ Pre-Qualification (Much Weaker)
✗ Self-reported info only
✗ No credit check
✗ No verification
✗ Just an estimate
✗ Not a commitment
✗ Sellers often ignore it
See what you qualify for

Get your personalized FHA rate in 60 seconds. No SSN. No credit impact.

Get Pre-Approved →
FAQ

Questions? Answered.

Most FHA pre-approvals are issued within 24 hours of document submission. Valley West can do same-day pre-approval when all documents are provided. The initial rate check with no SSN takes 60 seconds.

Yes, full pre-approval requires a hard inquiry (2-5 point temporary drop). Multiple mortgage inquiries within 14-45 days count as one. Valley West offers a soft-pull initial check with no credit impact.

Most pre-approval letters are valid 60-90 days. If it expires before you find a home, Valley West can re-verify your information and issue an updated letter quickly.

No. Pre-approval is a conditional commitment based on your finances. Final approval happens after the property appraisal and underwriting. Pre-approval is about 90% of the way to a final approval.

Yes. Apply at fhahomeloans.services/apply in 60 seconds. Upload documents securely. Valley West reviews everything and issues your pre-approval letter, typically within 24 hours.

Quick question?(702) 696-9900·Apply online →
EXPLORE

FHA Resources

→ FHA Requirements → FHA Rates Today → FHA Calculator → Credit Score Guide → Down Payment Guide → FHA vs Conventional → First-Time Buyer → Get Pre-Approved → Closing Costs → Pros & Cons

Ready to get started?

See what you qualify for in 60 seconds. No SSN. No credit impact.

Start Your FHA Application → (702) 696-9900
FHA rates from 5.750%
(702) 696-9900Check FHA Rate