Sharon FronkRealtor® · Howard Hanna
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Get pre-approved
The most useful 20 minutes of your home search.
Tell Sharon you're ready and she'll personally connect you with a trusted Capital Region lender within 24 hours, so a missing pre-approval never costs you the right home.
24 hrsTo a lender intro
$0Pre-approval is free
RealPerson, not an autoresponder
Let Sharon know you're ready
Three quick fields. She'll call you back within 24 hours with the lender intro.
Pre-qualified vs pre-approved
Why pre-approval is the one that counts
Both sound the same. Only one makes a seller take your offer seriously.
Pre-qualified
A quick estimate
A back-of-envelope figure based on what you tell a lender. No documents verified.
- Fast and easy
- Income & assets not verified
- Carries little weight in an offer
Pre-approved · recommended
A lender's written commitment
Based on verified income, debts, credit, and assets. A real letter you can attach to an offer.
- Verified, written loan amount
- Sellers take your offer seriously
- You shop knowing your real budget
In a competitive Capital Region market, the letter is the difference.
When two offers are close, the seller picks the buyer who's clearly ready to close. A clean pre-approval is often what tips it your way.
Get a head start
What your lender will ask for
You don't need any of this to fill out the form. But gather it now and approval turnaround drops from days to hours. Tap each as you find it.
0 of 4 ready
This list is just to get you ahead. Sharon's lender collects everything officially and walks you through it.
The right lender, not just any lender
Matched to your loan type
Sharon works with a small group of trusted local lenders, each strong in a different area, instead of routing everyone to the same place.
First-time & SONYMA
Low-down-payment programs and NY state assistance built for first-timers.
Conventional
The standard path for most buyers, with competitive rates and flexible terms.
VA loans
Sharon personally guides every VA buyer through the process, start to finish.
Jumbo & luxury
Higher loan amounts for Saratoga, Lake George, and Loudonville estates.
After you submit
What happens next
1
Sharon calls within 24 hours
A quick read on your situation: price range, neighborhoods, timeline, and questions.
2
She introduces you to a lender
A direct hand-off to whichever of her trusted lenders best fits your loan type.
3
Your letter, usually within days
Submit your docs and most lenders turn the pre-approval around fast. Now you shop with confidence.
Good to know
Pre-approval questions, answered
A pre-approval involves a hard credit pull, which can ding your score a few points temporarily. Shopping multiple lenders within a short window typically counts as a single inquiry, so it is a small, short-lived impact for a big benefit.
Usually 60 to 90 days. If your search runs longer, the lender can refresh it quickly. Just keep your finances steady in the meantime (no new credit or big purchases).
No. Getting pre-approved is free and does not commit you to that lender or any loan. It simply tells you (and sellers) what you can borrow.
Don't count yourself out. Some programs work with limited savings or imperfect credit, and a good lender will tell you exactly where you stand and what, if anything, to improve first. The only way to know is to ask.
Still exploring
Not quite at the lender step yet?
That's okay. The buyer guide walks the whole journey in plain English, from saving to closing, with no pressure.
This page is general information, not lending, financial, legal, or tax advice. Loan options, rates, programs, eligibility, and timelines vary by lender and by your individual circumstances and change over time. Confirm details with a licensed lender. Sharon Fronk is a Licensed Real Estate Salesperson with Howard Hanna Capital, Inc., and is not a mortgage lender. Sharon and Howard Hanna Capital, Inc. fully support the Fair Housing Act and Equal Opportunity Act. Every buyer is welcome in every community.