Documents you will need, what to expect, and the underwritten pre-approval that puts you in motion. Roanoke VA, Lakeland FL.
No phone tag. No back-and-forth before you can start. The application is open and waiting.
You will be taken to our secure application portal at Integrity Home Mortgage. The form takes about 15 minutes, saves as you go, and routes directly to The Legacy Team.
You will not need all of this to start the application. You will need it before underwriting can issue a pre-approval letter. Pull together what you have, start the form, and we will tell you exactly what is missing.
Don't have everything? Start anyway. The application saves as you go, and we will tell you exactly what is missing within one business day. Most clients submit the form first and chase down statements over the next few days.
The same process for first-time buyers in the Roanoke Valley and second-home buyers in Lakeland. Most clients are fully pre-approved within 48 hours of submitting documents. Why our pre-approval is different →
15-minute online application, or call us and walk through it on the phone. The form saves as you go.
Upload IDs, income, and assets to the secure portal. Never email sensitive files. We flag anything missing same day.
An underwriter reads your full file, not just a credit pull. This is the step most lenders skip and call it a pre-qual.
You receive a real, fully underwritten letter, valid 60 to 90 days. The letter Realtors recognize and listing agents trust.
Pick the one that fits your day. The file lands in the same place either way.
The full online form at our secure portal. Saves as you go. Routes directly to The Legacy Team.
Begin application Talk it throughPrefer a real conversation first? Walk through the application by phone with Jonathan or a member of the team.
Call 540.314.8843The four questions we hear most often the day before someone starts the application. If yours isn't here, the full FAQ lives on the contact page or call and ask.
Yes, slightly. A mortgage application triggers a hard credit inquiry, which typically drops a score 3 to 7 points. Most scores recover fully within 30 to 60 days as long as you keep balances down and pay on time.
Multiple mortgage inquiries inside a 14 to 45 day window count as one for scoring purposes, so shopping around the same week does not stack the impact. The bigger move is what you do next, not whether you applied.
About 15 minutes online. The form covers basic identification, employment and income, the property type you are buying or refinancing, and a few questions about the home and your goals. It saves as you go, so you can pause and come back to it.
Document upload is separate. Once the form is submitted, you will get a secure link to upload IDs, paystubs, and statements. Most clients spread that across a few days.
Yes, and you should. The whole point of pre-approval is to know what you can buy before you start touring homes. The application asks for a property type and price range, not a specific address.
Once you find the right house, the file is already underwritten. We swap in the address, update the appraisal request, and your offer goes out with a letter listing agents recognize.
Self-employed, recently relocated, buying across state lines, building from the ground up, refinancing investment property, or working with non-traditional credit. We have closed every one of those scenarios in the last twelve months.
Apply anyway, or call first. Three decades of files means we have seen the version of your situation before, and we know which loan program lines up with it.
Three days after a complete application, federal law requires we give you a Loan Estimate. The Consumer Financial Protection Bureau explains what every line on it means. Read the CFPB Loan Estimate guide →
Fifteen minutes today. A fully underwritten pre-approval letter in your inbox 24 to 48 hours after we have your documents. The letter that puts you in motion.