How to Get Pre-Approved and House-Ready the Right Way

Buying a home is one of life’s most exciting milestones—but before you start scrolling through listings or dreaming about backyard barbecues, there’s an important first step: getting pre-approved for a mortgage. Think of pre-approval as your golden ticket. It shows sellers you’re serious, gives you a clear budget, and makes the whole process smoother from start to finish.

So, how do you get pre-approved—and house-ready—the right way?

• Check your credit score: Lenders want to see that you’re a responsible borrower. Pull your credit report, fix any errors, and pay down debts where you can.
• Gather your documents: You’ll need proof of income, tax returns, bank statements, and details on any debts. Having these ready speeds up the process.
• Shop around for lenders: Not all mortgages are created equal. Compare rates, fees, and service to find the best fit for your needs.
• Get your pre-approval letter: Once a lender reviews your info, they’ll issue a letter stating how much you can borrow. This is your green light to start house hunting with confidence.

Once you’re pre-approved, focus on staying “house-ready.” Avoid making big purchases, keep your finances steady, and respond quickly to requests from your lender or agent.

With these steps, you’ll be ready to move fast when you find your dream home—and you’ll stand out to sellers as a prepared, serious buyer. Happy house hunting!