button for first time home buyers First Time Home Buyer: Pre Purchase
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Pre-Qualify and Pre-Approve

Pre-Approval

A pre approval is a conditional commitment based on underwriting review of your loan application, income and asset documentation, credit report, and specific loan terms. Once you are pre approved, your loan officer should be able to provide you a pre approval letter, enhancing your strength as a viable buyer. In addition to proving your credit worthiness, a preapproval also shows that you have taken necessary steps in the home buying process.

 

 

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Homeowners Cafe by Zions Bank - Your Resource on Home Ownership

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Quick Tip

If your loan doesn’t close within 30 days of your conditional commitment, you can expect to provide updated paystubs and bank statements to verify your circumstances have not changed.

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Zions Bank sponsors The Homeowners Café© as a service to the community; therefore, all information provided should be considered as educational in nature and not as professional services. By utilizing the services of, and the information provided by, The Homeowners Café© you acknowledge and agree this does not constitute any legal commitment to become a customer of any bank including Zions Bank and its affiliates nor does it constitute an offer of any extension or modification of any credit to you by Zions Bank or its affiliates.