Congratulations on starting your home-buying journey! Before you browse listings or fall in love with that perfect kitchen, it’s important to know exactly what you can afford — and how you’ll finance it.
Pre-approval isn’t just a helpful step — it’s essential in today’s market. Sellers expect it, your agent needs it, and you’ll feel more confident shopping with a clear budget.
A pre-approval is a lender’s written commitment that says, “Yes, you qualify for a mortgage up to $X amount.” This is more than a casual pre-qualification. It involves a review of your:
A pre-approval will:
✅ Show sellers you are a serious, qualified buyer
✅ Make your offer much stronger
✅ Help you avoid falling in love with homes outside your budget
Pre-approval is the clear choice for serious buyers.
We highly recommend working with a local lender instead of a big-box online lender. Here’s why:
Your total monthly payment usually includes:
Principal & interest
Property taxes
Homeowners insurance
Mortgage insurance (if applicable)
Your lender will help you factor these into your budget.
Q: How long does a pre-approval last?
A: Typically 60–90 days. It can be easily updated if you haven't found a home yet.
Q: What credit score do I need?
A: Most lenders prefer 620+, but there are programs available for lower scores depending on other factors.
Q: How much do I need for a down payment?
A: Many first-time buyers use programs requiring as little as 3% down.
💬 Request Our Preferred Lender List — Get Started with Confidence
✅ Schedule Your Pre-Approval Consultation
✅ Next Step: Go to Step 2 — Finding a Home & Making an Offer
