Online mortgage preapproval

Mortgage Pre-Approval in Kansas City

Don’t miss out on your dream home. Get preapproved for a mortgage with Metropolitan Mortgage and stand out from other buyers with a Verified Preapproval Letter.

 

→ Get Pre-Approved Today
Happy couple holding keys to their new Kansas City home after mortgage pre-approval.
Kansas City couple completing fast online mortgage pre-approval application

Why choose Metropolitan Mortgage for your mortgage preapproval?

Blue check mark icon – Simple and online preapproval

Simple and online.

You don’t need to head to the bank to get preapproved for a home loan — you don’t even need to leave your couch.

Blue check mark icon – Quick and easy preapproval

Quick and easy preapproval.

Receive your Verified Preapproval Letter and know exactly how much you’re approved for.

Blue check mark icon – Self-serve access

Self-serve access.

Access, customize and download your Verified Preapproval Letter online at any time.

Blue check mark icon – Streamlined process

Streamlined process.

Having a Metropolitan Mortgage Verified Preapproval will speed up your mortgage process once you find your dream home.

What is a mortgage preapproval?

Mortgage pre-approval is a detailed review of your finances by a lender who then issues a conditional commitment to lend you a specific amount. According to the Consumer Financial Protection Bureau (CFPB), it requires verification of income, assets, and credit. This process gives you a verified pre-approval letter that shows sellers and real estate agents you’re a serious, qualified buyer.

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Smartphone showing mortgage pre-approval notification in Kansas City

Preapproval vs. prequalification.

Prequalification is a great way to start your house-hunting journey because it’s a quick and easy way to get an idea of how much of a loan you can get. Mortgage preapproval takes it to the next level and is a good idea if you’re ready to start looking at homes.

Mortgage preapproval
VS
Mortgage prequalification
Thorough review of your finances
High-level review of your finances
Requires application and credit check
No credit check or application required
Requires you to submit financial documentation
Self-state your financial information
States the exact loan amount you’re approved for
Gives an estimate of how much you qualify for
Good for 120 days
Good for approximately 30 days
More extensive than a prequalification
Less extensive than a preapproval
In a competitive market, most sellers and real estate agents won’t even consider an offer without a strong pre-approval letter. A full pre-approval reviews your complete financial picture and matches you with the right loan type. See all loan programs we offer to find the best fit for your situation.

Benefits of a Metropolitan Mortgage Verified Preapproval

Get budget clarity.

Better understand your home buying budget to know what you can afford.

Strengthen your offer.

Know exactly how much you’re approved for.

Find out the exact amount you’d be able to secure for your home loan.

Speed up the process.

How to get preapproved for a mortgage with Metropolitan Mortgage:

Apply Online.

Share a bit about yourself and your home loan goals.

Upload Documents.

Submit financial documents like pay stubs, W-2s and bank statements.

Wait for review.

Your information will be reviewed by an underwriter.

Receive your Verified Preapproval Letter.

Your Metropolitan Mortgage Verified Preapproval Letter will be emailed to you along with an estimate. The letter is valid for 120 days.

→ Get Started
Kansas City mobile app for Metropolitan Mortgage pre-approval application

Learn more about getting preapproved for a mortgage.

Modern Kansas City suburban home exterior with white brick and black garage doors, ready for new homeowners

What happens after preapproval?

Once you have a mortgage preapproval letter, you’re ready to start home shopping! With your letter in hand, you can begin looking at properties in your preapproved price range. When you find a home you love, you can make an offer—standing out from the crowd because you have proof you can afford the home. Once you have an accepted offer, you’ll formally apply for a mortgage loan.

Remember, your preapproval is valid for 120 days, so if you don’t purchase a home in that timeframe, you’ll need to apply for a new preapproval.

Frequently Asked Questions

Have more questions? See all FAQs

A mortgage pre-approval is a written letter from a lender stating how much they’re willing to lend you and at what interest rate, based on a full review of your credit, income, assets, and debts. It’s much stronger than a simple pre-qualification and is taken seriously by sellers and real estate agents.
Our pre-approvals are good for up to 120 days—longer than the typical 60–90 days most lenders offer. If you haven’t found a home by then, we can usually extend or refresh it with just updated pay stubs and bank statements.
Yes, but only slightly. The hard inquiry typically drops your score by 3–10 points and falls off after 2 years (stops affecting scores after 12 months). Shopping multiple lenders within a 14–45 day window counts as only one inquiry.
No. Prequalification is a quick estimate based on self-reported info (no credit check). Preapproval is more thorough and involves verification and a credit check.
To get pre-approved with Metropolitan Mortgage, apply online or call us at 913-642-8300 — it takes 10–15 minutes and we’ll have your 120-day pre-approval letter ready same-day or within 24 hours, completely free.
Typical requirements:
• Last two years of W-2s
• Most recent 30–60 days of pay stubs
• Last two months of bank statements (all pages)
• Photo ID
• Any recent investment/retirement statements (if applicable)

Most applicants finish the entire process and get their verified letter in under 10 minutes — start your application now and see how fast it is.
100% yes. Most sellers and agents won’t take you seriously without one, and our 120-day letter gives you extra breathing room in today’s market.
You can, but most sellers and agents require a preapproval letter to take your offer seriously in competitive markets.
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