Why Getting Pre-Approved Matters

One of the smartest first steps in your home search is knowing exactly what you can afford—before you start falling in love with properties.

That’s why I always recommend getting a mortgage pre-approval early in the process. It’s quick, straightforward, and gives you a clear idea of your buying power. Simply put, it helps you avoid surprises and gives you the confidence to move forward when the right home comes along.

Here’s why it makes a difference:

• You’ll know your price range and can focus on homes that make sense for your budget.

• Sellers take your offer more seriously when they know your financing is already in place.

You can get pre-approved through your bank, credit union, or a mortgage broker. If you’d like a referral to someone I trust and work with regularly, I’d be happy to connect you.

Wondering how much you can afford?

Lenders look at a few key things—your income, credit history, down payment, and debt levels—to figure out how much they’re comfortable lending you. It’s not as complicated or intimidating as it sounds, and most people can get pre-approved within a day.

Once you know your budget, we can hit the ground running and look at the right homes with confidence.

If you have questions about the process or would like help getting started, just reach out. I’m always here to help.