Know Your Budget.
Shop With Confidence.
Get pre-approved through our in-house licensed mortgage originator — so you can make strong, competitive offers the moment you find the right home.
Start Your Pre-Approval
In Minutes
Pre-approval is the single most important step before you fall in love with a home. Sellers won't take your offer seriously without it — and the best homes go fast.
- Know your exact buying power — no more guessing or Zillow estimates
- Sellers treat you like a serious buyer — required in most OKC negotiations
- Close up to 2 weeks faster — underwriting head-start already done
- Multiple loan options reviewed — Conventional, FHA, VA & USDA
- No hard credit pull required to start — soft check available
- Local expertise — we know OKC pricing, sellers, and timelines
Get Pre-Approved Today
Fill out the form — we'll review your info and follow up within hours.
Your information is 100% secure & never shared.
3 Reasons Pre-Approval Changes Everything
In today's OKC market, pre-approval isn't optional — it's the difference between winning and watching someone else move into your home.
Know Your Real Budget
Stop guessing and stop the heartbreak of falling for a home you can't afford. Pre-approval gives you a precise number backed by actual underwriting — not an online estimate.
Sellers Take You Seriously
In a competitive market, sellers and listing agents will skip an offer without pre-approval. A letter from a licensed MLO signals that you can close — and that matters more than your offer price alone.
Close Faster
Pre-approved buyers can shorten the closing timeline significantly because most of the underwriting work is already done. That's a real competitive advantage in multiple-offer situations.
We Work With All Major Loan Types
Not sure which loan is right for you? We'll review your situation and match you with the best program — from first-time buyer options to zero-down loans for veterans.
Conventional Loans
Best for buyers with strong credit (620+) who want flexible terms, no mortgage insurance with 20% down, and competitive rates on any property type.
Learn MoreFHA Loans
Ideal for first-time buyers or those rebuilding credit. Lower credit score requirements (580+) and flexible debt-to-income ratios make this the most accessible loan program.
Learn MoreVA Loans
Exclusively for eligible veterans, active-duty service members, and surviving spouses. Zero down payment, no private mortgage insurance, and competitive rates — the best loan in America.
Learn MoreUSDA Loans
Government-backed loan for homes in eligible rural and suburban areas. No down payment required, low mortgage insurance, and competitive fixed rates for qualifying buyers.
Learn MoreWhat You'll Need To Get Started
Gathering these items upfront speeds up the process significantly. Most pre-approvals can be completed within 24 hours when documentation is ready.
Don't have everything yet? No problem. Start the form now and we'll let you know exactly what we need for your specific loan type.
Start My Pre-ApprovalPre-Approved in 3 Easy Steps
We've made the process fast, straightforward, and stress-free — no bank lobbies, no endless phone trees.
Submit Your Info
Complete the short form above. It takes less than 5 minutes and there's no commitment required to get started.
We Review & Contact You
Earnest personally reviews your application and contacts you same-day to discuss loan options, rates, and next steps.
Receive Your Letter
Get your official pre-approval letter — and start making competitive offers on any home in the OKC Metro.
Pre-Approval FAQ
Will applying hurt my credit score?
A soft credit pull (which we can start with) does not affect your score at all. A formal hard inquiry — required for an official pre-approval letter — typically causes a minor, temporary dip of a few points. Multiple mortgage inquiries within a 45-day window are treated as a single inquiry by most credit scoring models, so shopping around won't stack up multiple hits.
How long does a pre-approval letter last?
Most pre-approval letters are valid for 60–90 days. If your letter expires while you're still searching, we simply run an updated credit check and refresh it — typically same day. Your financial picture doesn't change much in that window, so renewal is usually fast and easy.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick, informal estimate based on self-reported information — no documentation verified, no credit pulled. Pre-approval is a formal review: we verify your income, assets, employment, and run your credit. A pre-approval letter carries real weight with sellers. In today's OKC market, only pre-approval letters are taken seriously in multiple-offer situations.
Can I get pre-approved if I'm self-employed?
Absolutely. Self-employed buyers are pre-approved every day. We'll typically review 2 years of personal and business tax returns, a year-to-date profit & loss statement, and business bank statements. The documentation requirements are slightly heavier, but self-employment income is completely acceptable for all major loan programs.
What credit score do I need to get pre-approved?
It depends on the loan type. Conventional loans generally require a 620+ score, FHA loans can go as low as 580 (with 3.5% down) or even 500 (with 10% down). VA and USDA loans don't set a strict minimum, though most lenders look for 580–620+. If your score needs work, we'll tell you exactly what to do — and how quickly you can expect to improve it.
Is there any cost to get pre-approved?
No. The pre-approval process with Realty Department is completely free and carries no obligation to buy a home through us. We believe in earning your business by being the most helpful and transparent team you'll find in Oklahoma City.
The Right Home
Won't Wait For You
Homes in the OKC Metro sell fast. Buyers who already have their pre-approval letter ready can move the same day they find a home they love — and win.
- In-house MLO — no third-party lender delays
- Conventional, FHA, VA & USDA — all programs under one roof
- Same-day response — you won't be waiting days to hear back
- Local knowledge — we know OKC neighborhoods, pricing & timelines
- No cost, no obligation — start today and decide later
Ready to Start?
Submit your info and we'll follow up same day.
Your information is 100% secure & never shared.