Pre-approved
or it isn't real.
Florida sellers ignore pre-qualifications. We're a direct lender — underwriting happens in our Oakland Park office. under 24 hours from a real underwriter, not a chatbot.
$2,023/mo
A pre-qualification is a guess. A pre-approval has been underwritten.
The difference matters in Broward County right now. Sellers in multiple-offer situations are reading the letter on the envelope. A pre-qualification — which is what most online lenders email you in ninety seconds — says only that someone asked you a few questions. An actual pre-approval means a human underwriter pulled credit, verified income, and signed off on a loan amount. The two letters look the same; they aren't.
Home Financial Group has been writing the real ones for twenty-four years out of an Oakland Park office. We do not sell your file to another desk. The underwriter who signs your approval works inside of the building where your application landed.
Three offers in. Mine had a real pre-approval letter. I closed at asking. The other two had been emailed a pre-qual the night before; the seller's agent told me afterward that's why I won.
Sofia Albuquerque,
nineteen years in the room.
Senior Loan Officer · NMLS# 105827. Has signed off on over four thousand Florida files. Fluent in English, Spanish, and Portuguese. Answers the phone.
Four steps. Twenty-four hours.
Apply
Six fields. Soft pull only — no impact to credit.
Verify
We confirm income and assets. You upload from your phone.
Underwrite
A human in Oakland Park reviews and signs.
Get the letter
Real pre-approval, emailed within 24 hours.
Begin.
Six honest fields. A soft credit pull. One business day to a callback from a Florida-licensed officer.