Pre-Approval · Kissimmee, FL
Know What You Can Afford Before You Start Looking
A pre-approval shows sellers you are serious. It tells you your real budget. Most letters are ready within 24 hours.
24-hour pre-approvalsEnglish y Español
A pre-approval shows sellers you are serious. It tells you your real budget. Most letters are ready within 24 hours.
Over 50 families have used this exact process to buy their homes. Here is what makes our pre-approval different:
We do not issue pre-approval letters we cannot close.
Some lenders hand out letters like flyers. Then the deal falls apart in underwriting. The seller moves on. You lose the home.
We verify everything upfront. When you get a letter from START Mortgage, it means something. Realtors know it. Sellers trust it. And you can make your offer with confidence.
Not sure yet? Book a free planning session first112 N Clyde Ave, Kissimmee, FL 34741
Our office is in downtown Kissimmee. Stop by during business hours or call to set up a time.
112 N Clyde Ave
Kissimmee, FL 34741
112 N Clyde Ave
Kissimmee, FL 34741
We do run a credit check as part of the pre-approval process. This is called a "hard inquiry" and may cause a small, temporary dip in your score — usually just a few points. If you shop for rates with multiple lenders within a 14-to-45-day window, credit bureaus typically count those inquiries as one.
Most pre-approval letters are valid for 60 to 90 days. If yours expires before you find a home, we can usually renew it quickly — as long as your financial situation has not changed much.
A pre-qualification is a rough estimate based on what you tell us. A pre-approval is a verified review of your income, credit, and finances. Sellers take pre-approvals seriously. A pre-qualification does not carry the same weight.
That is okay. It does not mean "never" — it usually means "not yet." We explain exactly what needs to change and give you a clear plan to get there. Many people come back in a few months, ready to go.
Yes. Jexayra is fluent in English and Spanish. The entire process — from application to approval letter — can be done in the language you are most comfortable with.