Mortgage Pre-Approval Guide
How to get pre-approved and why it matters
Last updated February 27, 2026
Table of Contents
What Is Mortgage Pre-Approval?
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Pre-Qualification vs. Pre-Approval
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Documents You’ll Need
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The Pre-Approval Process
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Tips for a Stronger Application
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Find Your Rate →Frequently Asked Questions
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate based on self-reported information. Pre-approval involves a full credit check and document review, resulting in a conditional commitment from the lender.
Does pre-approval guarantee a loan?
No. Pre-approval is a conditional commitment. Final approval depends on the property appraisal, title search, and verification that your financial situation hasn't changed.
How long does pre-approval last?
Most pre-approval letters are valid for 60-90 days. After that, you may need to update your documentation and get re-approved.
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