Florida Mortgage Pre-Approval — 24 Hours, Not Weeks
In Florida's market, sellers take financed offers seriously or not at all — and the difference is pre-approval. We turn complete files around in 24 hours, so your agent can present you as 'ready to close', not 'waiting to hear back'.
Ask us how far in advance to start for your timeline — the answer depends on your file, not a formula
Frequently Asked Questions
How long does mortgage pre-approval take in Florida?
24 hours for complete files with Standard Florida Mortgage. The gathering is the slow part — start your document collection today and the letter follows quickly.
Does pre-approval hurt my credit score?
The formal pre-approval involves a credit pull, but multiple mortgage inquiries within a short shopping window are scored as one event by current FICO models. We start with a no-hard-pull review so you know where you stand first.
How far in advance should I get pre-approved?
When you're actively preparing to make offers. Letters stay credible for roughly 60-90 days; much earlier and you renew it, much later and you risk falling for a house before knowing your numbers. We'll time it with your search.
See What You Qualify For
No credit pull to start. A licensed originator responds within one business day.
✓ Got it — check your email
A licensed originator will reach out within one business day.