Florida Mortgage Pre-Approval • NMLS #303217
See What You Qualify For
Start with a free 2-minute check — no credit pull, no obligation. A real Florida broker reviews every one personally and reaches out, usually the same day.
Start Your Free 2-Minute Check
No credit pull. No documents. Just a few quick questions so Keith can point you in the right direction.
🔒 No SSN, no credit pull, no documents on this form — by design. Equal Housing Lender.
Ready for a Full Application?
How It Works
Two simple stages — start soft, finish verified. You’re never bounced between strangers.
The 2-Minute Check
Answer a few quick questions about what you’re trying to do — no documents, no obligation, no credit pull. Takes about two minutes.
Keith Reaches Out
I personally review your answers and call or text to walk through your options and what you’d qualify for. Real guidance, zero pressure.
Verified Pre-Approval
Ready to make offers? Complete the full secure application (~12 min, includes a credit check). I review within 24 hours and send your verified letter — valid 90 days.
The 2-minute check above has no credit pull. The full application does include a hard credit check — and that’s a good thing: it means your pre-approval is fully verified, the kind realtors and sellers actually take seriously. The score impact is typically just a few points and fades within months, and FICO counts all mortgage inquiries in a 14–45 day window as a single inquiry, so you can shop lenders without stacking the impact.
A Personal Note Before You Start
Hey, I’m Keith — and I’ll personally review your information. No call center, no bouncing between loan officers. Just one local Florida broker who’s been doing this for over a decade.
Not ready to fill anything out? Rather just talk through your situation first? Call or text me directly — I’d rather have a 5-minute conversation than have you guessing.
Keith Meredith · Division President · NMLS #303217
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!”
“Keith and his team were incredibly helpful! The process flowed seamlessly from application to closing. I highly recommend Keith and his team!”
“Keith is so easy to work with. Professional and keeps an open line of communication, which is much appreciated in this industry! We’ll definitely use him again and refer him to everyone we know.”
Pre-Approval FAQ
Do I have to do a credit check to start?
No. The 2-minute check at the top of this page has no credit pull and no obligation — it just helps me understand your situation so I can reach out with real guidance. A hard pull only happens later, if and when you choose the full application for a verified pre-approval letter.
Will applying hurt my credit score?
The full application uses a hard credit check so I can give you a fully verified pre-approval. A hard inquiry typically lowers your score by a few points and recovers within months — and FICO treats all mortgage inquiries in a 14–45 day window as one, so shopping lenders won’t stack up against you.
How long does pre-approval take?
Within 24 hours on weekdays. The full application takes about 12 minutes; once it’s in, I personally review your file and get 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. A pre-approval is verified — credit pulled, income and assets reviewed. Realtors and sellers want to see a real pre-approval before they take your offer seriously.
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.
What if I’m not ready to apply yet?
That’s exactly what the 2-minute check is for — start there with no credit pull, or call or text me at 352-619-4959 to talk it through first. We can map out a plan with zero pressure.
Let’s find out what you qualify for
The 2-minute check is the easiest first step — no credit pull, no documents, and a real person on the other end. Or just call me.