DBA For James B. Nutter & Company NMLS 2067

Get a No Cost Preapproval

No one understands home loans better than our team of experts. Licensed in all 50 states, Nutter takes all the stress out of the home loan process and allows you to focus on what really counts — making a smart home buying decision for you and your situation.

Read our Home Buyer’s Guide to learn more about our quick and easy online loan process.

Quickly see how much you can afford

At Nutter, get preapproved for a home loan at NO cost. As a buyer competing in today’s market, a preapproval places you in a strong position and will show sellers that you’re a serious buyer. No matter how much money you make or how good your credit is, getting preapproved for a mortgage before you start shopping for a home is one of the smartest moves you can make in the home buying process.

Plus, we’re willing to bet that your realtor will suggest getting preapproved first, it’s that important!

Make your offer stand out

Our preapproval process is a credit driven, fully documented review of your financial situation. We can usually give you an answer within 24 hours - and it’s free! You’ll be able to move quickly when you want to make an offer and since it won’t be contingent on obtaining financing, this can save everyone time.

Don’t be fooled by other lenders who offer to “prequalify” you in minutes without having an underwriter review your information.

Already made an offer on a home? No problem. We’ll jump in and get your loan completed in a timely manner.

Close faster when you have a preapproval from Nutter Home Loans

Even if you’re a first-time home buyer, our preapproval will speed your application through the process. Plus, our underwriting and processing is done in-house, so you can close on time. It’s that quick and easy.

Your preapproval will be contingent on an approved title, satisfactory appraisal, and no changes in your financial standing.

View today’s mortgage rates and try our easy-to-use Mortgage Calculator to see what your monthly mortgage payment could be with Nutter.

Frequently Asked Questions (FAQs)

What’s the difference between a prequalification and a preapproval?

A preapproval is a thorough look at your finances, including credit history, income, employment, assets and debt, and determines exactly what you can afford. A prequalification is an estimate of how much a borrower could (roughly) qualify for. Don’t be fooled by other lenders who offer to “prequalify” you in minutes without having an underwriter review your information.

Learn more about Preapprovals vs Prequalifications.

What is a preapproval letter?

A preapproval letter is a conditional commitment in writing for an exact loan amount and an interest rate as well. Once you’re preapproved, our team of underwriters will provide you with your preapproval letter to share with your realtor, so they know exactly what you can afford and to any sellers, so they know you’re a serious buyer. Plus, getting preapproved with Nutter doesn’t cost you a dime and we can usually give you an answer within 24 hours.

Does getting preapproved commit me to anything?

No. Getting preapproved does not mean you are obligated to get a mortgage with us or anyone else.

Do preapprovals expire?

Yes. Your preapproval letter will expire after 90 days. However, if you haven’t found your dream home or made an offer within those 90 days, just give us a call 1-800-875-7334 to renew it!

The Benefits of Getting a Loan from Nutter Home Loans

  • We are one of the largest privately owned mortgage banking firms in the country.
  • Dedicated to borrowers nationwide since 1951. We’re licensed in all 50 states.
  • We have an A+ rating with the Better Business Bureau and believe in “If it’s not good for the customer, it’s not good for us.”
  • Our quick and easy online application process leaves you with less paperwork and more time for everything else. Plus, you can manage your mortgage online through our Customer Portal.
  • We offer some of the most competitive rates, including No Closing Cost Loan options - saving you money now, and in the future.
  • Our team of Home Loan Experts (non-commissioned, too!) are available via chat, email and phone to help you understand the details and which home loan is right for you.
  • We pride ourselves on having the best customer service in the industry – even after you close.

Sound a little complicated? Well, you’ve come to the right place.

Since 1951, we’ve helped people save hundreds, or even thousands of dollars a month, when they purchase or refinance their mortgage with Nutter.

Call 1-800-875-7334, send us an email or chat with us online and our team of non-commissioned Loan Officers will answer all your questions.

Additional Resources


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