If buying a home is somewhere on your radar—even if it’s a “someday” thing instead of a “right now” goal—getting pre-approved early is one of the best things you can do. Seriously. Think of it like prepping for a big trip: the more you plan ahead, the smoother it goes.

Here’s why getting pre-approved before you’re ready to buy is a total power move.

It Helps You Know What You Can Actually Afford

One of the biggest perks of pre-approval? You’ll finally stop guessing what you think you can afford and get a real number from a lender. They’ll take a look at your income, debt, credit score, and a few other things to give you a realistic budget.

From there, you can start browsing with confidence. No more falling in love with homes that are way over budget—or missing out on great ones that actually are in reach.

It Lets You Move Fast When the Right Home Pops Up

Let’s be real—we’ve all scrolled Zillow just for fun… and then unexpectedly found the one. But here’s the thing: if you’re not already pre-approved, it’s easy to lose that dream home while you’re scrambling to get your paperwork together.

Being pre-approved doesn’t mean you have to buy right away—it just means you’re ready if something amazing shows up. It’s like being at the starting line with your shoes laced and your playlist queued up, while everyone else is still trying to find parking.

Just a Heads-Up: Pre-Approvals Do Expire

Most pre-approvals are good for about 60 to 90 days, depending on your lender. If it expires, it’s usually no big deal—you can renew it with a quick check-in on your credit and finances, as long as nothing major has changed.

So even if you’re just window shopping, it’s still worth getting that pre-approval in place. It gives you clarity, confidence, and a serious leg up when you’re ready to make a move.

Bottom Line

Getting pre-approved doesn’t lock you into anything—it just means you’re ready when the right home comes along. If you’re even thinking about buying, chat with a lender and see where you stand.

And if you want to talk about your goals or what you’re hoping to find in your next home, I’m always here to listen (and help you map out the best next step).

If the perfect place popped up tomorrow… would you be ready?