Mortgage Pre-Approval – Ready to Start House Hunting?
Loan officer follow-up encouraging pre-approval consultation.
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</style></head><body style="background-color:rgb(249,250,251);margin:0"><!--$--><!--html--><div style="display:none;overflow:hidden;line-height:1px;opacity:0;max-height:0;max-width:0" data-skip-in-text="true">You are one step away from knowing exactly what you can afford — get pre-approved in as little as 24 hours.<div> </div></div><!--head--><!--body--><table border="0" width="100%" cellPadding="0" cellSpacing="0" role="presentation" align="center"><tbody><tr><td style="background-color:rgb(249,250,251);margin:0rem;padding:0rem;font-family:ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji","Segoe UI Symbol","Noto Color Emoji""><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#1e3a8a"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.25rem;padding-top:1.25rem"><tbody><tr style="width:100%"><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column"><img alt="Northgate Home Lending logo" height="36" src="/static/company-logo.png" style="display:block;outline:none;border:none;text-decoration:none" width="160"/></td><td align="right" data-id="__react-email-column"><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(190,219,255);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">NMLS #1234567</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#1d4ed8"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto"><tbody><tr style="width:100%"><td><img alt="Beautiful modern home with manicured landscaping on a sunny day" height="300" src="/static/images/library/realestate-house-exterior.png" style="display:block;outline:none;border:none;text-decoration:none;width:100%;object-fit:cover;max-width:600px" width="600"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="padding-right:2rem;padding-left:2rem;padding-top:2.5rem;padding-bottom:2rem;background-color:#1d4ed8"><tbody><tr><td><h1 style="color:#ffffff;font-size:36px;line-height:1.2;font-weight:700;margin:0rem;margin-bottom:0.75rem">Your Dream Home Is Closer Than You Think</h1><p style="font-size:18px;line-height:1.6;color:#bfdbfe;margin:0rem;margin-bottom:1.5rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">We would love to help you get pre-approved for a mortgage — completely free, with no obligation. Know your exact budget before you ever set foot in an open house.</p><a href="https://northgatehomелending.com/schedule" style="line-height:1.5;text-decoration:none;display:inline-block;max-width:100%;mso-padding-alt:0px;background-color:#ffffff;color:#1e3a8a;font-weight:700;font-size:16px;padding-right:32px;padding-left:32px;padding-bottom:14px;padding-top:14px;border-radius:8px;text-decoration-line:none;padding:14px 32px" target="_blank"><span><!--[if mso]><i style="mso-font-width:400%;mso-text-raise:21" hidden>    </i><![endif]--></span><span style="max-width:100%;display:inline-block;line-height:120%;mso-padding-alt:0px;mso-text-raise:10.5px">Schedule Your Free Consultation</span><span><!--[if mso]><i style="mso-font-width:400%" hidden>    ​</i><![endif]--></span></a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255)"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:#1e3a8a;font-size:24px;line-height:1.3333333333333333;font-weight:700;margin:0rem;margin-bottom:0.75rem">Why Get Pre-Approved First?</h2><p style="font-size:16px;line-height:1.7;color:#4b5563;margin:0rem;margin-bottom:2rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">Shopping for a home without a pre-approval is a little like heading to the grocery store without knowing your budget — it can lead to disappointment down the road. A mortgage pre-approval puts you firmly in the driver's seat from day one.</p><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.5rem"><tbody style="width:100%"><tr style="width:100%"><td width="48" data-id="__react-email-column" style="vertical-align:top;padding-right:16px"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="border-radius:50%;display:flex;align-items:center;justify-content:center;background-color:#dbeafe;width:48px;height:48px;text-align:center;line-height:48px"><tbody><tr><td><p style="font-size:18px;line-height:48px;margin:0;color:#1d4ed8;font-weight:700;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">1</p></td></tr></tbody></table></td><td data-id="__react-email-column" style="vertical-align:top"><h3 style="color:#1e3a8a;font-size:16px;line-height:1.5;font-weight:700;margin:0 0 4px 0;margin-bottom:0.25rem">Pre-Approved in 24 to 48 Hours</h3><p style="font-size:14px;line-height:1.6;color:#6b7280;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">Our streamlined process means you will have your pre-approval letter in hand fast — often within a single business day. No long waits, no unnecessary back-and-forth.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.5rem"><tbody style="width:100%"><tr style="width:100%"><td width="48" data-id="__react-email-column" style="vertical-align:top;padding-right:16px"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#dbeafe;width:48px;height:48px;border-radius:50%;text-align:center;line-height:48px"><tbody><tr><td><p style="font-size:18px;line-height:48px;margin:0;color:#1d4ed8;font-weight:700;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">2</p></td></tr></tbody></table></td><td data-id="__react-email-column" style="vertical-align:top"><h3 style="color:#1e3a8a;font-size:16px;line-height:1.5;font-weight:700;margin:0 0 4px 0;margin-bottom:0.25rem">Know Your Exact Budget</h3><p style="font-size:14px;line-height:1.6;color:#6b7280;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">We will walk you through exactly how much home you qualify for, what your monthly payment looks like, and which loan program fits your situation best. No guesswork, no surprises.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td width="48" data-id="__react-email-column" style="vertical-align:top;padding-right:16px"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#dbeafe;width:48px;height:48px;border-radius:50%;text-align:center;line-height:48px"><tbody><tr><td><p style="font-size:18px;line-height:48px;margin:0;font-weight:700;color:#1d4ed8;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">3</p></td></tr></tbody></table></td><td data-id="__react-email-column" style="vertical-align:top"><h3 style="color:#1e3a8a;font-size:16px;line-height:1.5;font-weight:700;margin:0 0 4px 0;margin-bottom:0.25rem">Shop With Confidence</h3><p style="font-size:14px;line-height:1.6;color:#6b7280;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">Sellers take pre-approved buyers seriously. Walk into every showing knowing you are ready to make a strong, credible offer the moment you find the right home.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#eff6ff"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2rem;padding-top:2rem"><tbody><tr style="width:100%"><td><h2 style="color:#1e3a8a;font-size:20px;line-height:1.4;font-weight:700;margin:0 0 24px 0;margin-bottom:1.5rem;text-align:center">Today's Featured Rates</h2><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td align="center" data-id="__react-email-column" style="text-align:center;padding:0 8px"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#ffffff;border-radius:12px;padding:20px 16px;border:1px solid #bfdbfe"><tbody><tr><td><p style="font-size:11px;line-height:1.3333333333333333;color:#6b7280;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;margin:0 0 4px 0;margin-bottom:0.25rem;margin-top:0;margin-right:0;margin-left:0">30-Year Fixed</p><p style="font-size:28px;line-height:24px;color:#1d4ed8;font-weight:700;margin:0 0 2px 0;margin-top:0;margin-right:0;margin-bottom:2px;margin-left:0">6.49%</p><p style="font-size:12px;line-height:1.3333333333333333;color:#9ca3af;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">APR 6.72%</p></td></tr></tbody></table></td><td align="center" data-id="__react-email-column" style="text-align:center;padding:0 8px"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#ffffff;border-radius:12px;padding:20px 16px;border:1px solid #bfdbfe"><tbody><tr><td><p style="font-size:11px;line-height:1.3333333333333333;color:#6b7280;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;margin:0 0 4px 0;margin-bottom:0.25rem;margin-top:0;margin-right:0;margin-left:0">15-Year Fixed</p><p style="font-size:28px;line-height:24px;color:#1d4ed8;font-weight:700;margin:0 0 2px 0;margin-top:0;margin-right:0;margin-bottom:2px;margin-left:0">5.87%</p><p style="font-size:12px;line-height:1.3333333333333333;color:#9ca3af;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">APR 6.11%</p></td></tr></tbody></table></td><td align="center" data-id="__react-email-column" style="text-align:center;padding:0 8px"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#ffffff;border-radius:12px;padding:20px 16px;border:1px solid #bfdbfe"><tbody><tr><td><p style="font-size:11px;line-height:1.3333333333333333;color:#6b7280;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;margin:0 0 4px 0;margin-bottom:0.25rem;margin-top:0;margin-right:0;margin-left:0">5/1 ARM</p><p style="font-size:28px;line-height:24px;color:#1d4ed8;font-weight:700;margin:0 0 2px 0;margin-top:0;margin-right:0;margin-bottom:2px;margin-left:0">5.62%</p><p style="font-size:12px;line-height:1.3333333333333333;color:#9ca3af;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">APR 5.89%</p></td></tr></tbody></table></td></tr></tbody></table><p style="font-size:11px;line-height:1.3333333333333333;color:#9ca3af;text-align:center;margin:16px 0 0 0;margin-top:1rem;margin-right:0;margin-bottom:0;margin-left:0">Rates shown are sample estimates as of January 2026 and are subject to change. Contact us for a personalized quote.</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255)"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#f0f9ff;border-left:4px solid #1d4ed8;border-radius:8px;padding:24px"><tbody><tr><td><p style="font-size:16px;line-height:1.7;color:#374151;font-style:italic;margin:0 0 16px 0;margin-bottom:1rem;margin-top:0;margin-right:0;margin-left:0">"Working with Northgate was the best decision we made during our home search. We had our pre-approval letter within 24 hours, and our offer was accepted the very first time we put one in. We could not have done it without their team."</p><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td width="44" data-id="__react-email-column" style="vertical-align:middle;padding-right:12px"><img alt="Portrait of Sarah and Marcus T." height="44" src="/static/people/person-headshot3.png" style="display:block;outline:none;border:none;text-decoration:none;border-radius:50%" width="44"/></td><td data-id="__react-email-column" style="vertical-align:middle"><p style="font-size:14px;line-height:1.4285714285714286;color:#1e3a8a;font-weight:700;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">Sarah and Marcus T.</p><p style="font-size:12px;line-height:1.3333333333333333;color:#9ca3af;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">First-time homebuyers, Austin TX — December 2025</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#1e3a8a"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:#ffffff;font-size:20px;line-height:1.4;font-weight:700;margin:0 0 24px 0;margin-bottom:1.5rem;text-align:center">Your Dedicated Loan Officer</h2><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td width="100" data-id="__react-email-column" style="vertical-align:top;padding-right:24px"><img alt="Portrait of James Harrington, Senior Loan Officer" height="88" src="/static/people/person-headshot1.png" style="display:block;outline:none;border:3px solid #3b82f6;text-decoration:none;border-radius:50%" width="88"/></td><td data-id="__react-email-column" style="vertical-align:top"><h3 style="color:#ffffff;font-size:18px;line-height:1.5555555555555556;font-weight:700;margin:0 0 4px 0;margin-bottom:0.25rem">James Harrington</h3><p style="font-size:14px;line-height:1.4285714285714286;color:#93c5fd;margin:0 0 12px 0;margin-bottom:0.75rem;margin-top:0;margin-right:0;margin-left:0">Senior Loan Officer — NMLS #8834521</p><p style="font-size:14px;line-height:1.6;color:#bfdbfe;margin:0 0 16px 0;margin-bottom:1rem;margin-top:0;margin-right:0;margin-left:0">With over 14 years of experience helping families finance their homes, James takes the time to understand your unique situation and guide you toward the loan that truly fits your life — not just your credit score.</p><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column"><p style="font-size:13px;line-height:1.3333333333333333;color:#bfdbfe;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">Direct: (512) 555-0192</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column"><p style="font-size:13px;line-height:1.3333333333333333;color:#bfdbfe;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">Email:<!-- --> <a href="mailto:james.h@northgatelending.com" style="color:#93c5fd;text-decoration-line:none" target="_blank">james.h@northgatelending.com</a></p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255)"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:3rem;padding-top:3rem;text-align:center"><tbody><tr style="width:100%"><td><h2 style="color:#1e3a8a;font-size:26px;line-height:1.3333333333333333;font-weight:700;margin:0 0 12px 0;margin-bottom:0.75rem;text-align:center">Ready to Take the First Step?</h2><p style="font-size:16px;line-height:1.7;color:#6b7280;margin:0 0 32px 0;margin-bottom:2rem;text-align:center;margin-top:0;margin-right:0;margin-left:0">Your free consultation with James takes about 20 minutes and comes with zero pressure and zero cost. By the end of the call, you will know exactly where you stand and what your next step looks like.</p><a href="https://northgatelending.com/schedule" style="line-height:100%;text-decoration:none;display:inline-block;max-width:100%;mso-padding-alt:0px;background-color:#1d4ed8;color:#ffffff;font-weight:700;font-size:16px;padding:16px 40px;border-radius:8px;padding-top:16px;padding-right:40px;padding-bottom:16px;padding-left:40px" target="_blank"><span><!--[if mso]><i style="mso-font-width:500%;mso-text-raise:24" hidden>    </i><![endif]--></span><span style="max-width:100%;display:inline-block;line-height:120%;mso-padding-alt:0px;mso-text-raise:12px">Schedule Consultation</span><span><!--[if mso]><i style="mso-font-width:500%" hidden>    ​</i><![endif]--></span></a><p style="font-size:12px;line-height:1.3333333333333333;color:#9ca3af;margin:16px 0 0 0;margin-top:1rem;text-align:center;margin-right:0;margin-bottom:0;margin-left:0">Free, no-obligation, no credit impact.</p></td></tr></tbody></table></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:#e5e7eb;margin:0"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:#f9fafb"><tbody><tr><td><table align="center" width="100%" class="max-w-600px" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:37.5em;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2rem;padding-top:2rem"><tbody><tr style="width:100%"><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.5rem"><tbody style="width:100%"><tr style="width:100%"><td align="center" data-id="__react-email-column" style="text-align:center"><img alt="Northgate Home Lending" height="28" src="/static/company-logo.png" style="display:inline-block;outline:none;border:none;text-decoration:none;margin:0 auto 16px auto" width="120"/></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1rem"><tbody style="width:100%"><tr style="width:100%"><td align="center" data-id="__react-email-column" style="text-align:center"><a href="https://northgatelending.com" style="color:#1d4ed8;text-decoration-line:none;font-size:13px;text-decoration:none;margin:0 12px" target="_blank">Website</a><a href="https://northgatelending.com/rates" style="color:#1d4ed8;text-decoration-line:none;font-size:13px;text-decoration:none;margin:0 12px" target="_blank">Current Rates</a><a href="https://northgatelending.com/calculators" style="color:#1d4ed8;text-decoration-line:none;font-size:13px;text-decoration:none;margin:0 12px" target="_blank">Calculators</a><a href="https://northgatelending.com/faq" style="color:#1d4ed8;text-decoration-line:none;font-size:13px;text-decoration:none;margin:0 12px" target="_blank">FAQ</a></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:#e5e7eb;margin:16px 0"/><p style="font-size:11px;line-height:1.6;color:#9ca3af;text-align:center;margin:0 0 8px 0;margin-bottom:0.5rem;margin-top:0;margin-right:0;margin-left:0">Northgate Home Lending, LLC — 4801 Burnet Road, Suite 300, Austin, TX 78756</p><p style="font-size:11px;line-height:1.6;color:#9ca3af;text-align:center;margin:0 0 8px 0;margin-bottom:0.5rem;margin-top:0;margin-right:0;margin-left:0">NMLS #1234567. Licensed in TX, CA, FL, CO, and WA. Equal Housing Lender.</p><p style="font-size:11px;line-height:1.6;color:#9ca3af;text-align:center;margin:0;margin-top:0;margin-bottom:0;margin-left:0;margin-right:0">You received this email because you expressed interest in home financing.<!-- --> <a href="https://northgatelending.com/unsubscribe" style="color:#6b7280;text-decoration-line:none;text-decoration:underline" target="_blank">Unsubscribe</a> <!-- -->|<!-- --> <a href="https://northgatelending.com/privacy" style="color:#6b7280;text-decoration-line:none;text-decoration:underline" target="_blank">Privacy Policy</a></p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><!--/$--></body></html>