Get Pre-Approved in 24–48 Hours — $0 Lender Fees
A pre-approval letter is what turns “just looking” into “ready to make an offer.” Russell Stout shops 40+ wholesale lenders to get you pre-approved fast, with no lender fees and no runaround.
How Pre-Approval Works
Four steps, most of it done from your phone, usually wrapped up in 24–48 hours.
Apply Online
Fill out a short secure application — takes about 10 minutes.
Share Your Docs
Upload pay stubs, ID, and bank statements through a secure portal.
Russell Shops It
He compares your file across 40+ lenders to find your best fit.
Get Your Letter
Your pre-approval letter is ready — time to make offers with confidence.
Why Buyers Pre-Approve With Russell
The same reasons Austin homebuyers have trusted him since 2002.
What You’ll Need to Get Started
Having these ready speeds up your pre-approval:
- Recent pay stubs (last 30 days) or 2 years of tax returns if self-employed
- W-2s or 1099s from the last two years
- Bank statements (last two months)
- Photo ID
- Estimate of your down payment amount
Frequently Asked Questions
Does getting pre-approved hurt my credit?
A single pre-approval credit pull has a minor, short-term impact — far outweighed by knowing exactly what you can afford before you shop.
How is pre-approval different from pre-qualification?
Pre-qualification is a quick estimate based on what you tell us. Pre-approval verifies your income, assets, and credit — it’s what sellers and agents actually take seriously.
How long is my pre-approval good for?
Typically 60–90 days, and it can be refreshed if your home search runs longer.
Will you charge me lender fees?
No. Russell charges $0 in lender fees on every loan — no origination fee, no processing fee, no underwriting fee.
Ready to Find Out What You Qualify For?
Start your application now, or call Russell directly — he’ll walk you through it personally.
