Realtor Hunter
RealtorForum Replies Created
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Here are some responses to your questions about mortgage pre-approval:
When to seek pre-approval:
- Getting pre-approved for a mortgage one to four months before buying a house is a good idea.
- For first-time buyers, the best time is three to six months in advance, so there’s enough time for any credit issues to be resolved.
Why this should be done now:
- Generally speaking, a mortgage pre-approval lasts between 60 and 90 days.
- You want to have some time where you can shop without feeling rushed.
- If any problems arise while getting approved, you’ll want time to fix them.
Visiting homes without pre-approval:
- You may tour homes without being pre-approved beforehand.
- However, many agents prefer that clients obtain this step before showing properties.
- In competitive markets, it is common practice for sellers only to allow tours if they see formalized approval letters from lenders as proof of a buyer’s readiness.
Making offers without being approved first:
- While someone who has not been previously approved can certainly make an offer, it isn’t recommended!
- This is because most sellers either strongly favor or outright require offers from parties already vetted as qualified borrowers by banks or other lending institutions.
- In addition, prequalified buyers often receive more serious consideration when submitting bids on houses than those whose financial eligibility remains to be determined.
- Due diligence performed ahead of time would be good.
Consequences For Your Credit Score
A hard pull usually occurs when someone gets their mortgage application reviewed, which could temporarily decrease their credit score (se).
However, multiple inquiries within 14-45 days generally count as one single inquiry instead, just like people used to think when they were still unaware of this fact.
How much does it cost?
Most lenders provide free initial assessments, but some charge fees between $300 and $400, so always ask upfront about charges before proceeding further down the line.
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