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Free, secure, and reviewed by a real broker — get a verified pre-approval letter sellers actually trust.

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⏱ 24-hour turnaround
✓ Verified pre-approval letter
👤 Real human, not a bot

NMLS 303217 · CORPORATE NMLS 376205 · EQUAL HOUSING LENDER

About the credit check

We do a hard credit pull — and there’s a good reason for it. A hard check means your pre-approval is fully verified, not a soft estimate. That’s the letter realtors and sellers actually take seriously. The impact on your score is typically just a few points and fades within months. Good news: FICO treats all mortgage-related inquiries within a 14–45 day window as a single inquiry, so you can compare lenders without compounding the impact.

Keith Meredith, Division President of Black Rock Mortgage

Keith Meredith

Division President · NMLS 303217

Black Rock Mortgage

A Personal Note Before You Apply

Hey, I’m Keith — and I’ll personally review your application within 24 hours on weekdays. No call center. No bouncing between loan officers. Just one local Florida broker who’s been doing this for over a decade.

If you have a question before you apply, or you’d rather just talk through your situation first — call or text me directly. I’d rather have a 5-minute conversation than have you guessing.

📞 Call Keith 💬 Text Keith

How It Works — 3 Simple Steps

1

Apply Online

Takes about 12 minutes. Secure 1003 application with a credit check. Upload docs right in the portal.

2

Keith Reviews

Within 24 hours on weekdays, I’ll personally review your file and call you to walk through your options.

3

Pre-Approval Letter

Your letter lands in your inbox — ready to send your realtor and start making offers with confidence.

A Quick Word From Keith

90 seconds — what to expect, and how I work with you and your real estate agent.

What Your Pre-Approval Covers

Exact loan amount you qualify for — based on real DTI math, not a guess
All loan programs you qualify for — Conventional, FHA, VA, USDA, Hometown Heroes
Estimated monthly payment with taxes, insurance, and PMI included
Down payment options — including 0% down VA/USDA and 3% down first-time buyer
A pre-approval letter ready to send your realtor — valid for 90 days
Direct line to Keith for any questions during your home search

What Florida Buyers Are Saying

★★★★★

“I was able to purchase my first home with the guidance and help from Keith Meredith. Starting 2026 off as a homeowner with such gratitude for Keith and his team!”

— Bailee S., Dunnellon FL

★★★★★

“Keith and his team were incredibly helpful! The process flowed seamlessly from application to closing. I highly recommend Keith and his team!”

— Christine C., The Villages FL

★★★★★

“Keith is so easy to work with. He is professional and keeps an open line of communication, which is much appreciated in this industry! We will definitely use him again and refer him to everyone we know”

— Amy G., New Smyrna Beach FL

Pre-Approval FAQs

Will applying hurt my credit score?
We use a hard credit check so we can give you a fully verified pre-approval — the kind realtors and sellers actually trust. A hard inquiry typically lowers your score by just a few points and the effect fades within months. Even better: FICO counts all mortgage-related inquiries within a 14–45 day window as a single inquiry, so you can shop multiple lenders without compounding the impact.
How long does pre-approval take?
Within 24 hours on weekdays. The application itself takes about 12 minutes. Once submitted, Keith personally reviews your file, runs your numbers, and gets back to you the same or next business day.
What’s the difference between pre-qualification and pre-approval?
A pre-qualification is a quick estimate based on info you give us. A pre-approval is a verified document — we’ve pulled your credit, reviewed your income and assets, and we’re confident in your loan amount. Realtors and sellers want to see a pre-approval letter, not a pre-qual.
How long is my pre-approval valid?
90 days. If you haven’t found a home in that window, we’ll re-verify a couple of items and refresh the letter — usually a 5-minute call.
What if I’m not ready to apply yet?
That’s fine. Call or text Keith at 352-615-1613 to talk through your situation first. We can map out a plan — credit prep, down payment savings, timeline — and you can apply when you’re ready.

Ready to Get Pre-Approved?

Takes about 12 minutes. Verified pre-approval letter in your inbox within 24 hours.

Apply Now — Takes ~12 Minutes 📞 Call 352-619-4959

KEITH MEREDITH NMLS 303217 · BLACK ROCK MORTGAGE · CORPORATE NMLS 376205 · EQUAL HOUSING LENDER

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