Get Pre-Approved in Minutes
Know your budget before you fall in love. Run the numbers below, then apply online with a local Grand Rapids loan officer.
Run the Numbers
See your monthly payment at today's rates — or flip over to find out the max you can afford.
Mortgage Calculator
Grand Rapids · live Freddie Mac rate
Estimated Monthly Payment
$2,376/mo
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
Ready for the real number?
Get a real pre-approval letter
Calculators are a starting point. A pre-approval tells you exactly what you qualify for — and sellers take your offer seriously.
Start My Pre-ApprovalWhy pre-approval changes everything
In Grand Rapids' market, the buyers who get homes are the ones who move fast with confidence.
You know your real budget
Stop guessing. See the max you qualify for — plus what your monthly payment actually looks like with taxes and insurance.
Sellers take you seriously
A pre-approval letter signals you're ready to close. In multiple-offer situations, it can be the difference between winning and losing the home.
You can move fast
Homes in Kent and Ottawa counties often go under contract in days. Pre-approval means you can make a serious offer the same afternoon you tour.
How it works
Three steps. About ten minutes.
Apply online
Fill out a secure application with Guild Mortgage. Basic info — employment, income, assets. No fee. Takes about 10 minutes.
Get reviewed
Your local loan officer reviews everything and pulls credit (soft pull, no score impact). Most applicants hear back in 24 hours.
Shop with confidence
You'll get a pre-approval letter showing sellers exactly what you qualify for. Now when you find the one, you can make a real offer.
Your lender
Apply with a local Guild Mortgage loan officer
Guild Mortgage
Loan officer: Jon Hazeltine
Conventional, FHA, VA, and first-time homebuyer programs across Kent and Ottawa counties. Apply online — the loan officer handles the rest.
Common questions
Does pre-approval hurt my credit?
Pre-approval involves a hard credit inquiry, which may temporarily lower your score by a few points. However, multiple mortgage inquiries within 45 days are typically counted as one inquiry by credit scoring models.
How long does pre-approval last?
Most pre-approvals are valid for 60–90 days. If you don't find a home in that window, your loan officer can easily refresh it.
How is pre-approval different from pre-qualification?
Pre-qualification is a quick estimate based on info you provide. Pre-approval involves verification of your income, assets, and credit — making it far more credible to sellers.
What documents do I need?
Typically: recent pay stubs, W-2s from the last two years, two months of bank statements, and ID. Self-employed applicants will also need tax returns.
What if I'm not sure I'm ready?
Totally fine. Start with the calculator above to see the ballpark. When you're ready, the application takes about 10 minutes.
Let's find your number.
Ten minutes now saves weeks of guessing later. Start your free pre-approval with a local loan officer.
Start My Pre-ApprovalFree · No credit score impact to start · No obligation
Guild Mortgage NMLS #3274 · Loan officer: Jon Hazeltine NMLS #2574218 · Licensed in MI · NMLS Consumer Access · Equal Housing Lender. Not a commitment to lend. Terms subject to credit approval and change without notice. About us