Quick tip: how to get pre-approved in under 24 hours.

If you’re thinking about buying a home in the Roseville or Rocklin area, one of the smartest first steps is getting pre-approved for a mortgage before you start your home search. A pre-approval gives you a clear picture of what you can afford, helps your offer stand out in a competitive market, and gives you peace of mind when you find the right home.

The best part? With the right lender, you can get pre-approved in under 24 hours. Here’s how:

1. Get Your Paperwork Ready

Speed starts with preparation. Have these documents ready before applying:

Last two pay stubs
Two years of W-2s or tax returns (if self-employed)
Two months of bank statements
A copy of your driver’s license
Employer contact information

When you submit a complete package right away, your lender can verify income and assets in hours instead of days.

2. Know Your Credit Score Before You Apply

Your credit score plays a big role in how quickly you can be approved and what interest rate you’ll qualify for. Before reaching out to a lender, check your score through a trusted source like AnnualCreditReport.com.
If you spot errors or small debts you can pay off quickly, take care of those first. This can make your pre-approval smoother and possibly boost your buying power.

3. Choose a Local Lender Who Knows the Market

Not all lenders work at the same pace or understand our local real estate market. Working with a local mortgage professional who knows Roseville, Rocklin, and Sacramento County means faster communication and better coordination with your real estate agent.
At C2 Financial, we use secure digital systems that verify your income and credit instantly, often allowing us to issue a full pre-approval within one business day.

4. Be Ready to Respond Quickly

Once your lender reviews your application, they might need a few clarifications—such as confirming employment or verifying a bank deposit. Responding right away keeps your pre-approval moving fast. The sooner your lender has every piece of the puzzle, the faster they can finalize it.

5. Know What Comes Next

Once you’re pre-approved, your lender will issue a letter showing how much you’re qualified to borrow. This letter makes your offer stronger and shows sellers you’re serious—especially in competitive areas like Roseville, Lincoln, Rocklin, and Citrus Heights.

Your pre-approval also locks in your rate for a set period, giving you protection if interest rates rise while you shop.

If you’re planning to buy a home soon, getting pre-approved doesn’t have to be stressful or slow. With the right preparation and a responsive local lender, you could be pre-approved before tomorrow night’s dinner.