Skip to main content

Verified Pre-approval Letter

Start home shopping with confidence.

Put yourself in a strong position to get the home you love with our new and improved pre-approval letter.

Understanding a Verified Pre-approval Letter.

Unlike our traditional pre-approval, our Verified Pre-Approval Letter (VPAL) could strengthen your offer once an underwriter has fully reviewed and verified your credit, income and assets. Once you have your VPAL in hand, it’ll be valid for 90 days.  Learn more about VPALs.

Unpack benefits that’ll help you shop with more confidence.

a folder with a check mark on top

Have peace of mind in a competitive market.

Shopping for a home can be stressful but having a VPAL helps you feel better knowing your information has been verified and approved   

a house

Get a head start on the home loan process.

Know how much house you can afford by kicking off your search with verification of your credit, income and assets by an underwriter

a dollar sign inside of a coin

House hunt from a stronger position.

Going the extra mile to get a VPAL shows sellers that you mean business and you’ve got the income to afford the home you want, potentially giving you the upper hand over other buyers

a house key

Fast track to getting
a mortgage.

By submitting all the necessary documents upfront, you'll have less to do once your offer has been accepted and your contract is signed 

Take an extra step to secure your new home.

Check off everything you need to start house hunting with total confidence.

Step 1

Get pre-approved in as little as 3 minutes

Step 2

Call us at 855-283-2559 for any questions or  schedule a call   with our team of home loan experts to request a VPAL

Step 3

Have your W-2s, pay stubs and bank statements ready to upload online

Step 4

Get a VPAL and start shopping

Two young girls cheerfully riding a scooter and bicycle in the driveway of their new home.

We’re here to help Mon-Fri, 9am-9pm ET and Sat, 10am-4pm ET. 


Ally Financial Inc. (NYSE: ALLY) is a leading digital financial services company,  NMLS ID 3015 . Ally Bank, the company's direct banking subsidiary, offers an array of deposit, personal lending and mortgage products and services. Ally Bank is a Member FDIC and Equal Housing Lender,    NMLS ID 181005 . Credit products and any applicable Mortgage credit and collateral are subject to approval and additional terms and conditions apply. Programs, rates and terms and conditions are subject to change at any time without notice.

Ally Servicing LLC,  NMLS ID 212403  is a subsidiary of Ally Financial Inc.

Securities products and services are offered through Ally Invest Securities LLC, member  FINRA and  SIPC View Security Disclosures

Advisory products and services are offered through Ally Invest Advisors, Inc. an SEC registered investment advisor.  View all Advisory disclosures

Products offered by Ally Invest Advisors, Ally Invest Securities, and Ally Invest Forex are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

Ally Mastercard® is issued by Ally Bank, Member FDIC under license from Mastercard® International.

FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

Foreign exchange (Forex) products and services are offered to self-directed investors through Ally Invest Forex LLC.  NFA  Member (ID #0408077), who acts as an introducing broker to GAIN Capital Group, LLC ("GAIN Capital"), a registered FCM/RFED and NFA Member (ID #0339826). Forex accounts are held and maintained at GAIN Capital. Forex accounts are NOT PROTECTED by the SIPC.  View all Forex disclosures

Ally and Do It Right are registered service marks of Ally Financial Inc.

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. 

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

From NerdWallet. © 2017-2023 and TM, NerdWallet, Inc. All rights reserved.