💡 Pre-Approval Tips

Getting pre-approved is one of the smartest first steps when buying a home — it gives you clarity, confidence, and leverage.

• Your lender will typically pull your credit one time, and always with your permission. It’s not like a car lot where your credit might be pulled multiple times by different banks.
• Pre-approval letters usually last 60–90 days. If you’re still home-shopping after that, your lender can quickly refresh your file.
• Gather your last two years of W-2s, recent pay stubs, and bank statements before you apply — it makes the process smoother.
• Ask questions! A good lender will explain loan types, rates, and down-payment options so you can make confident decisions.