If you're dreaming of buying a home, the journey begins with a crucial first step: mortgage pre-approval. At Haven Home Lending, led by the deeply trusted and compassionate Fiorella Giusti-Barrera, we believe that understanding and securing pre-approval empowers you with the confidence and clarity to make your dream a reality.

What Is Mortgage Pre-Approval?
Mortgage pre-approval is a lender’s confirmation that you qualify for a specific loan amount based on your income, credit score, employment history, and debt-to-income ratio. Unlike pre-qualification, which is more of an estimate, pre-approval involves a deeper financial check and often includes a written letter that strengthens your offer when you're ready to buy.

In competitive markets, having a pre-approval letter shows sellers that you're serious and financially ready. It also gives you a clear picture of your budget, helping you focus only on homes you can truly afford.

Why Pre-Approval Is So Important
Know Your Budget – Pre-approval helps determine your price range, so you can shop smart and avoid disappointment.

Gain an Edge in the Market – In hot housing markets, sellers often prefer buyers who come with pre-approval, because it shows financial reliability.

Speed Up the Closing Process – With much of the paperwork already in place, pre-approved buyers typically close faster.

Prevent Surprises – Any issues with your credit or documentation are identified early, giving you time to correct them before making an offer.

How Fiorella Giusti-Barrera Supports You
Fiorella isn’t just a Senior Loan Advisor—she’s a trusted partner in your homebuying journey. With years of experience and a heart full of compassion, Fiorella is known for going the extra mile. Whether you're buying your first home or upgrading to your dream house, she ensures you're fully informed and supported from day one.

Clients often say Fiorella had faith in them even when they didn’t believe in themselves. Her personalized approach to mortgage pre-approval makes the entire process feel less overwhelming. She listens, explains every step, and helps you navigate any bumps along the way—because she truly cares.

What You’ll Need for Pre-Approval
To get started, you’ll typically need:

Proof of income (like W-2s, pay stubs)

Credit history

Employment verification

Bank statements

ID and Social Security number

Fiorella and the Haven Home Lending team will guide you through each document and help you organize your financial profile.

Start Today With Confidence
Buying a home is a big step, but with mortgage pre-approval—and Fiorella Giusti-Barrera by your side—it doesn’t have to be intimidating. At Haven Home Lending, we combine professionalism with heart to deliver not just results, but a meaningful experience.

Ready to take the first step? Get in touch with Fiorella today and discover how easy and empowering pre-approval can be.