Mortgage Pre-Approval Letter Templates and Samples

A Mortgage Pre-Approval Letter is a formal statement drafted by a mortgage lender to inform a borrower their mortgage application was reviewed and accepted, with or without additional conditions to be met.

Alternate Name:

  • Mortgage Pre-Qualification Letter.

Before the parties sign the mortgage agreement, the lender must confirm the documentation submitted by the future homeowner was sufficient and outline the main terms of the mortgage to speed up the process of negotiations with the other party.

Mortgage Pre-Approval Letter Types

  1. Generic Mortgage Pre-Approval Letter Template. Use this document to congratulate an individual whose mortgage application package was approved. It is likely you have discussed the loan options earlier and the homebuyer has already offered you proof of income and assets and verified their good credit score. To invite the letter recipient to sign the mortgage agreement, you need to greet them by their name, certify your intent to issue a mortgage loan, indicate the terms of the arrangement (the duration of the loan and its amount), request the borrower to send you a real estate purchase agreement and a copy of the property title to be able to formalize the deal, and add your contact information to let the reader reach out to you to obtain funding for the upcoming transaction.
  2. Sample Mortgage Pre-Approval Letter. This generic template will be useful for any mortgage bank or financial institution that offers and finalizes home loans. Notify the prospective homebuyer about your decision to lend them a certain sum of money for the purchase of real property and list the conditions that must be met before you sign an agreement that obliges them to make regular mortgage payments. Note that you must warn the recipient this letter will not be considered a commitment and it is their choice to contact you and enter contract negotiations.

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This letter can be used as a reference to show that a customer has maintained a good credit history and has saved the necessary funds that will later help them qualify for a mortgage loan.

This is a written statement composed by a lender and sent to a borrower to notify the latter their mortgage application has been evaluated and approved subject to certain conditions the borrower must adhere to.

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