Get Your Best Rate & Lowest Payment
• You may already be PreApproved
• Takes less than 1 minute
• Firm offers of credit
• Zero impact on your credit
• No unwanted calls
Here’s how it works
Before you apply, get your PreApproved rates and terms instantly – online 24/7.
See your real-time PreApproved firm rates and terms. “PreApproved firm rates” means that under Federal Law, the Mortgage Lenders must honor the real-time rates and terms offered to you. We will help be your guide by providing your customized Mortgage Fact Check analytics and recommendations based upon your goals.
Accept the best rate and terms for you. We will help you to get your best interest rate and terms along with the lowest monthly payment on your mortgage.
Our Mortgage Lenders use technology to help to make your full mortgage application as easy and frictionless as possible.
Our Mortgage Lenders make every effort to close your home mortgage in the shortest amount of time possible.
What Makes YouArePreApproved.com the Best Way to Get
Your Lowest Interest Rate and Payment on a Mortgage?
Personalized firm rates and terms delivered to you instantly online. Firm rates and terms mean the Lender must honor them. No bait & switch. Checking your firm rates here will not affect your credit score. Mortgage rates can change daily. Check in as often as you would like. We do not sell your information. Mortgage Lenders will not call you. You decide which Mortgage Lender’s firm rate and terms to accept.
Frequently Asked Questions
What are the benefits of using YouArePreApproved.com?
You’re one click away from quickly and easily seeing your PreApproved offer with customized firm rates and terms specific to you.
Under Federal Law, this is a firm offer of credit you, and the Lender must honor the rates and terms presented to you.
Customized Firm Rates & Terms
No Bait and Switch
Quick & Easy
Second Opinion for Effortless Comparison
If I enter my PreApproval Number and zip-code, will you or someone be calling me?
No, YOU'RE IN CONTROL! We do not sell your personal information and you will not be called. You decide whether to engage with the Lender and contact them.
Comparison shop rates without your phone ringing off the hook. We never sell your information, so you decide which Lender (if any) to contact. Save thousands with minimal effort.
Does checking my personalized rates on YouArePreApproved.com affect my credit?
No, it won’t. Checking your rates will not affect your credit. The Lender must honor the rates and terms presented with your firm offer.
PreApproved is a process in which a credit reporting agency determines whether you meet a Lender’s preset eligibility criteria. If you do, then under Federal Law (Fair Credit Reporting Act, FCRA), the Lender must make a PreApproved, firm offer of credit to you. You can then apply for your credit with confidence knowing that you will not be turned down.
I already started the loan process with another Lender. Can I use your service to compare rates and terms?
Yes, definitely! You can customize your loan specifications to get a rate, terms and monthly payment that best fit your goals.
You not only get your firm rates, but also your terms (costs) in order to get those rates so that you may easily compare and obtain your best rate and terms!
Does the Lender have to honor the rates and terms shown to me?
Yes, they will. Under Federal Law, the Lender must honor the rates and terms presented with your firm offer.
You can then apply for your credit with confidence knowing that you will not be turned down.
How often can I check my rates?
As often as you like! Checking your rates will not affect your credit score, and rates instantly refresh each time you check.
We wanted to create a service where you can proactively check rates that are firm to you, without a phone call or providing all of your personal information. Take advantage of your best rate, terms and monthly payment!