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Getting PreApproved for a Home Loan is the FIRST step you should take in your home buying process. But what do you need to get preapproved for a loan in the first place? I’m giving you my BEST tips & tricks so you can buy your first home and get preapproved for a loan in 2025!
I’ve partnered with MoneyUnder30.com to bring you great information on buying your home! Check out the link below for more articles to help you get preapproved for a home loan this year!
Pre-Approval Checklist: https://www.moneyunder30.com/mortgage-pre-approval-checklist
How to Get PreApproved for Your First Home Loan : https://www.moneyunder30.com/get-approved-for-a-mortgage
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Boring legal stuff:
Licensed by the California Department of Business Oversight NMLS 1410686, a Licensed Representative of Cornerstone First Mortgage NMLS 173855 Equal Opportunity Lender. All thoughts and opinions are my own, not of my company. Any rates, terms, programs, etc. mentioned in these videos are hypothetical and are not an advertisement or promise to lend. Your actual mortgage terms might vary based on qualifications. Always consult a licensed mortgage professional in your area.
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45 Comments
@CatonDelRosario · October 27, 2026 at 1:51 am
Book a free 1-on1 with my team to get a customized game plan for your first (or next) home purchase! https://calendly.com/catondelrosario/consult
@deaevans7532 · October 27, 2026 at 1:51 am
How do you pick a mortgage lender?
@dwaynedixon6627 · October 27, 2026 at 1:51 am
Thanks you bro
@NurulAfdhanuha · October 27, 2026 at 1:51 am
Jadi misal suami gak mau ikut gimana pak?
@deletethemedia3445 · October 27, 2026 at 1:51 am
Thank you for the knowledge! How much better rate can someone get if their credit score is in the mid 800's compared to say 750?
I will be getting a pre approval very soon and trying to figure out what to expect
@kfergus3662 · October 27, 2026 at 1:51 am
If you are retired you are SOL
@msqueeniec · October 27, 2026 at 1:51 am
Thank you 4 the info
@RebeccaSnebecca · October 27, 2026 at 1:51 am
My spouse and I just got denied:( I’m confused as to why. Our DTI is around 25% combined. We’ve recently moved to a new state & I switched job paths but my husband hasn’t and got a raise.
We are in grad school, so I’m not sure if the student debt would’ve affected it. Our credit scores are 750 and 760 respectively.
The loan officer wasn’t sure either so she escalated our situation but I’m so confused
@luisihne · October 27, 2026 at 1:51 am
What if I work abroad?
@stephaniavanvolkenburg5424 · October 27, 2026 at 1:51 am
Getting ready to buy here very soon and super nervous so thanks for this video
It answered a few questions that I had
@DavidJohn-rl3ud · October 27, 2026 at 1:51 am
I’ve been told that you can get pre approved over the phone is this not true?
@YourSolventUncle · October 27, 2026 at 1:51 am
Gosh… this took me right back to the day I tried to get preapproved and sat at my dining table whispering to myself like, “Hmmm… okay, don’t panic… just pretend your finances are more organized than that drawer full of random chargers.” I remember uploading my pay stubs with the same energy you use when turning in homework late—hoping the lender wouldn’t judge the little financial plot twists in my bank statements. But the wild part? Once I learned the real trick—clean bank activity, steady deposits, no mystery Cash App adventures, and a credit report that isn’t fighting for its life—the whole process felt way less scary. Getting preapproved in 2026 is basically showing the lender you’re stable, predictable, and not out here buying jet skis on a Tuesday. Trust me, once you get that “You’re preapproved” email, it feels like someone handed you the keys to a future you didn’t even know you were brave enough to want.
@AiHollywoodLeaks · October 27, 2026 at 1:51 am
How about a bank statement mortgage? For someone that’s a 1099
@me-lz7jb · October 27, 2026 at 1:51 am
Thank you for the tips on how to apply for my home loan that im getting for my home because im above the age of 18! Taxes.
@MasterGolfHacker · October 27, 2026 at 1:51 am
Very informative and helpful video! I noticed you didn't address PMI if down payments were below 20% regardless for FHA or Conventional. Doesn't PMI also apply for FHA down payments below 20%?
Also, are FICO scores considered along with the credit scores? My credit scores are Very Good but haven’t increased as much as I hoped despite paying off my statement balances and being on-time with my car loan payments.
Thanks!!
@paulf3 · October 27, 2026 at 1:51 am
Definitely don't use credit karma for your score. My bank and credit card give me FICO scores that were 60 and 80-point tired and credit karma and those are the scores that the Bank went with.
@LevelUpWithRegine · October 27, 2026 at 1:51 am
Thank you so much for this informative video. Is there a certain way I should have my checkings setup? (for example, I pay bills out of the checkings and other things, so do they look at the money that’s frequently going out of the account and looking at the avg I have left in there on a monthly basis?
@PrezBøbcat · October 27, 2026 at 1:51 am
Currently searching stuff up so that YouTubes new AI doesn’t think I’m under 18 LMFAO
@utiguy69 · October 27, 2026 at 1:51 am
Can I put a down payment and closing costs on a credit card?
@lewmack670 · October 27, 2026 at 1:51 am
Im looking to try to get a loan i have zero experience and this is my first knowledge on it is this video, i only make 18.50 a hour idk my credit completely credit karma say 730 i have no debt and 50k in savings for closing costs, in your opinion could i maybe get a loan?
@BrunaDanielle · October 27, 2026 at 1:51 am
2025 but this videos has 3 years already 😝
@user-ll7nv6jd9o · October 27, 2026 at 1:51 am
Will you come and hold my hand through the buying process? Just kidding, sort of.
@robertlopez8957 · October 27, 2026 at 1:51 am
Thanks for the info
@BIG_Z_69 · October 27, 2026 at 1:51 am
I love how every single one of these videos uses for example a 500k house …. When we’re looking for 165k cuz we’re broke
@n3ur1n0oo3 · October 27, 2026 at 1:51 am
Question, do co-signers need to have a credit score too?
@lafamilianephew7602 · October 27, 2026 at 1:51 am
Me and my wife just got pre approved today 🙏🏾
@valerias3581 · October 27, 2026 at 1:51 am
we are buyers and we have the house and seller ready to do the process, escrow and we were preapproved for $400k, the lender have taken since last october to close this deal, we are still waiting to get something done, we dont feel we need a agent because we already have agreed with the house all parties is va military. Do we need an agent to finish this deal and a new lender? scores high 700's was pre approved 5. interest back in October,Novemeber.
@Unapologetically_Chandra · October 27, 2026 at 1:51 am
Thank you for this.
@GeeB-bi8id · October 27, 2026 at 1:51 am
Can't believe its that simple. Credit Score 785 . Only 30k in student loan debt. No credit card, or car note. 118k a year. Hopefully im good
@anothersonnyday936 · October 27, 2026 at 1:51 am
Hi Caton, in business for 8 years. I am self-employed. I am a single member LLC, pass through entity. I file my personal tax with a schedule-C for the business. I have three questions.
1. How many years of tax returns do I need? I was told 2 (which is fine) but I was also told 1 depending on what the computer tells the lender? What determines how many years?
2. Some people are saying you don't need business bank statements or P&L statements if you have 2 years of tax returns. However, your video says they can ask for it. What would make a lender ask for business bank statements? a profit loss statement or even balance sheet? is there something that catches your attention? thank you!
3. I file my own taxes, transcript can be found on the IRS if I give them access, will filing own tax be an issue?
@khowe861 · October 27, 2026 at 1:51 am
Thank you so much for this super clear explanation! I have one question: once you get pre-approved with a lender, does that pre-approval expire at any point? For example if I get pre-approved now but end up not buying a house for 6 or 12 months, will I have to redo the pre-approval process at some point? Thanks again!
@davidmosley8580 · October 27, 2026 at 1:51 am
I'm a new subscriber, and this content is excellent. I'm located in Michigan.
@charliedilisio3116 · October 27, 2026 at 1:51 am
Do you have a video for obtaining down payment assistance. Should I check where I live to see if they have any programs or federal assistance or other methods. TYIA. I am in florida
@michellemcelrath4545 · October 27, 2026 at 1:51 am
How do you find the right mortgage lender to meet with?
@Family_blueprint · October 27, 2026 at 1:51 am
was a truck driver from 03/22/22 all the way up until 01/01/24 got fired…. didn’t find another trucking job until 09/11/24 iv been here going on 6-7 months now. My FICO score is 683 my Experian credit score is 734… I make about $3700 a month I live with my mom and don’t have any debt only a $200 credit card which I only use seven dollars a month on….. I don’t even have a cell phone bill. And I have about 5k saved up should I be able to get a home loan…. and I don’t have a car loan either I own a well working car. What do you think about it?
@shenoudabekheet8701 · October 27, 2026 at 1:51 am
Hi
Is working in amazon part time for less than a year considered in the gross income
Is the money in robinhood account to invest in stocks considered legal
Right
@samfaggard5573 · October 27, 2026 at 1:51 am
Very helpful!
@laurae4031 · October 27, 2026 at 1:51 am
Health care traveler here! I am currently taking time off in between assignments – since the money is good, I'm fully capable too! If I meet with a mortgage lender now, and don't have a month of pay stubs (since I've been off for a month just to be home) would this be a bad look? Could my interest be higher, even though I'll be starting a new assignment within the month?
@ukelilly · October 27, 2026 at 1:51 am
I apply for a pre approval for a home loan from bofa and in one day I get a ton of scam calls and my got credit checked multiple times. How do I stop this ? Am I scammed ? How to protect myself ?
@PastorTerranceRhodes · October 27, 2026 at 1:51 am
Great and informative
@charmbinkowski29 · October 27, 2026 at 1:51 am
Im buying my 2nd home, I'm a Filipina here in Maryland. Bought my 1st home in my early 20s. I am researching these things before making a risky move.
@karenbrown577 · October 27, 2026 at 1:51 am
Naples Fl
@alexisammons6441 · October 27, 2026 at 1:51 am
This was very informative thank you. 😊
@JeffersonRachel-t8t · October 27, 2026 at 1:51 am
Hall Steven Walker Kevin Gonzalez Daniel
@ElaineCabactulan · October 27, 2026 at 1:51 am
Thabks for all the info.