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What Is a Mortgage Pre-Approval & Why You Need One Before House Hunting

Get ahead in your home search! Discover what a mortgage pre-approval is, why it matters, and how it boosts your buying power before house hunting begins.

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Roots Africa
May 23, 2025
2 min read
By
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May 23, 2025
2 min read

Imagine falling in love with the perfect home, only to find out it’s out of your budget, or worse losing it to someone more prepared. That’s why mortgage pre-approval is your first step, not an afterthought.

If you’re ready to buy property in Kenya, here’s why you should get pre-approved through Roots Homeownership before house hunting.

What Is Mortgage Pre-Approval?

A mortgage pre-approval is a lender’s conditional commitment to finance your home purchase. It tells sellers and agents that you’re serious and financially ready. With Roots Homeownership, pre-approval takes just minutes. You input your income, expenses, and a few personal details, and we show you which property for sale in Nairobi you can afford and which mortgage options are right for you.

Why Pre-Approval Matters

Sets Your Budget

No more guessing. Pre-approval shows your true home-buying power , helping you focus on homes within your price range.

Makes You a Serious Buyer

Sellers and real estate agents prefer buyers with pre-approvals. It proves you’ve done your homework and are ready to close.

Speeds Up the Mortgage Process

Once you find your ideal home, you’re halfway there. Pre-approval shortens the approval timeline and reduces stress.

Uncovers Issues Early

You’ll know upfront if there are red flags (like credit issues) that could slow down or block your mortgage.

Pre-Approval vs. Pre-Qualification: What’s the Difference?

  • Pre-qualification i s a quick estimate based on what you report
  • Pre-approval is more in-depth—it verifies your income, credit and affordability

With Roots Africa, getting started is simple. Just send in your application and when you're ready to take the leap, we team up with our trusted financing partners to get you pre-qualified. From there, the real excitement begins—finding the perfect property to call home.

Get Pre-Approved with Roots Homeownership

Roots isn’t just another mortgage platform. We:

Whether you're buying your first home or investing in a rental property, Roots Homeownership gives you the edge in a competitive market .

Don’t Just Dream. Be Ready.

Before you book a home viewing, get pre-approved. Start Your application with Roots Homeownership Now: https://rootsafrica.co/mortgage-application

It’s free, takes minutes, and puts you in control of your homeownership journey.


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