Keep your pre-approval current
Pre-approvals are based on your credit, income, and assets at a point in time. If it's been a few months, ask us to refresh it. It's quick, and sellers take a current letter more seriously.
Protect your credit
- Avoid opening new credit cards or loans.
- Keep balances low and pay every bill on time.
- Hold off on big purchases like a car or furniture until after closing.
Keep your savings in place
Leave your down payment and closing funds where they are. If you move money or receive a gift, let us know so we can document it.
Revisit your budget
Prices and payments change. Let's update your numbers so you're shopping in the right range.
Frequently asked questions
How long does a pre-approval last?
Many are good for 60 to 120 days. We'll refresh it whenever you need.
Will refreshing my pre-approval hurt my credit?
We'll tell you before any new credit check and explain what to expect.