Why Pre-Approval Should Be Your First Step

House hunting is exciting—but getting pre-approved for a mortgage is what makes it possible. Pre-approval isn’t just a number; it’s a lender’s review of your finances, including income, credit, debts, and savings, and it shows how much you can borrow.

Why Pre-Approval Matters

• Clarity: Know your budget before falling for a house out of reach.

• Confidence: Sellers take your offer seriously because you’re pre-approved.

• Control: Be ready to act if rates drop or the perfect home appears.

Pre-approval strengthens your offer and helps you avoid missing out when desirable homes hit the market. Even in a slightly slower market, the best listings move fast.

Don’t Wait Until You’re “Ready”

A pre-approval isn’t a commitment to buy immediately—it’s a tool to be ready when the timing is right. Most pre-approvals last 60–90 days and can easily be updated.

Bottom line: Buyers who succeed plan ahead. Connect with your agent and lender now so when the right home comes along, you’re ready to make your move.