What is a mortgage pre-approval exactly? A pre-approval basically says that a lender (like us) will loan you a certain amount of money at a certain rate so that you can afford to buy a home. There is no fee, no commitment and you can apply online! When should I get pre-approved? Short answer: Before you start house-hunting. Long answer: It is a good idea to get pre-approved before you start looking for a home. A mortgage pre-approval will help you set your budget and your expectations by letting you know how much you can afford. It will also signal to real estate agents and sellers that you are serious about buying a home and have the money to back it up.
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