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Getting Pre-Approved for a Mortgage in Edina, MN

If you’re planning to buy a home in Edina, getting pre-approved is the single most important first step you can take. In Edina’s competitive real estate market — where well-priced homes in desirable neighborhoods regularly receive multiple offers — a strong pre-approval letter from a credible lender is essential before you start your search.

What Is a Mortgage Pre-Approval?

A mortgage pre-approval is a thorough review of your financial profile — income, assets, employment, and credit — that results in a written commitment from your lender confirming how much you’re qualified to borrow. Unlike a pre-qualification, which is based on self-reported information, a pre-approval involves actual documentation verification. Sellers and listing agents in Edina take pre-approvals seriously. Pre-qualifications, not so much.

What You Need to Get Pre-Approved

To get pre-approved with Mark Merry at Granite Bank, you’ll typically need the following documents: last two years of W-2s or tax returns, last 30 days of pay stubs, last two months of bank and investment account statements, a government-issued ID, and your Social Security number for a credit pull. Self-employed buyers will need two years of personal and business tax returns plus a year-to-date profit and loss statement.

How Long Does Pre-Approval Take?

Once you submit your documentation, Mark Merry typically completes pre-approvals within 24-48 hours. The process is straightforward, and Mark works personally with every client — no call centers, no handoffs.

How Long Is a Pre-Approval Valid?

Most pre-approvals are valid for 60-90 days. If you haven’t found a home within that window, Mark can quickly refresh your file with updated documentation so you stay ready to move when the right home appears.

Why Pre-Approval Matters in Edina

Edina’s real estate market is consistently active year-round. The combination of top-rated schools, the 50th & France shopping district, and strong community character keeps demand high. Buyers who walk into their home search without a pre-approval routinely lose out to better-prepared competitors. A pre-approval from Mark Merry at Granite Bank — a lender with a proven track record of closing on time — signals to sellers that you are a serious, qualified buyer ready to close.

Get Pre-Approved Today

Call Mark Merry at (612) 964-6460 to start your Edina mortgage pre-approval. The conversation is free, takes about 15 minutes, and will give you a clear picture of your buying power before you start your home search.