Prequalifications and Preapprovals

Know What You Can Afford — Before You Shop

Get a fast, no-cost mortgage prequalification or preapproval that gives you buying power in West Volusia, Seminole County, and across Central Florida.

If you’re browsing homes without knowing what you can really afford, it’s like going grocery shopping without a cart.

Our free prequalification and preapproval service tells you where you stand — clearly, quickly, and with zero guesswork. It’s a smart first step whether you’re house hunting in Deltona or planning ahead in Longwood.

How it works

Step 1

You give us a few key details — income, debts, and goals.

Step 2

We run the numbers and give you a clear estimate of your homebuying budget.

Step 3

Want to go deeper? We can issue a full preapproval with document review.

Step 4

You get a letter to show sellers you’re serious (and ready).

Step 5

We help you shop smarter — with confidence and clarity.

Who It's For

  • Anyone who wants to purchase or refinance a home


  • Return buyers needing a fast refresh


  • Anyone trying to stand out in a competitive market


  • Folks unsure how much house they can really afford

Prequalifications & Preapprovals FAQs

  • What’s the difference between prequalification and preapproval?

    Prequalification gives you an estimate based on self-reported info. Preapproval verifies your documents and gives you a stronger position with sellers.

  • Is this really free? What’s the catch?

    No catch. We offer this as a value-add to help you plan your next move confidently. No cost, no pressure.

  • How long does a preapproval last?

    Yes — we work with multiple lenders, including those with flexible requirements. Credit counseling just helps you qualify for better rates.

  • Do I have to commit to a mortgage if I use this service?

    Typically 60 to 90 days — and we can easily update it if your timeline shifts.

  • Can I still get prequalified with less-than-perfect credit?

    Absolutely. We’ll walk through your options and help you understand what’s possible.

  • Do I need a house picked out first?

    Not at all — in fact, it’s better to get prequalified before you start shopping. That way, you’ll know what’s in your range from day one.

Why Acceptance Mortgage Solutions?

Big box lenders may give you a number. We give you a plan. Our prequal and preapproval services are tailored to you — not a formula. With a local focus on areas like DeLand, Orange City, and Lake Mary, we’re here to help you buy smarter, not just faster.


Benefits You Can Expect


  • Fast turnaround (usually same-day)
  • Helps you shop within budget
  • Strengthens your offer to sellers
  • No fees, no pressure, no commitments
  • Personalized guidance from local pros
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

Get ahead of the game with a clear picture of what you can afford. Whether you’re making offers in Altamonte Springs or just starting to browse in DeBary, we’ve got your back — for free.