One of the first questions clients ask me: what exactly is mortgage preapproval, and why is it so important before you start house hunting? Having worked with banks, brokers, and builders since 2015, I've seen how preapproval can truly shape your experience and confidence as a buyer. Preapproval means a lender has reviewed your credit, income, debts, and assets, and confirmed how much you can borrow. This process involves providing documentation and a hard credit check—it’s not a final loan approval, but it does give your offer more weight with sellers and helps speed up the buying timeline. Preapproval letters usually last 30-60 days, so timing matters. My goal is to make sure you understand each step and feel empowered throughout your journey, whether you’re a first-time buyer or adding another property to your portfolio.
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