How Long is Your Pre-Approval Is Good For?

And what to do if it expires Getting pre-approved is one of the most important steps in the homebuying journey—but many buyers don’t realize that pre-approvals have an expiration date. They aren’t permanent. They’re snapshots of your financial picture at …

Pre-Qualified vs. Pre-Approved: What’s the Difference?

One boosts confidence. The other wins offers. In today’s real estate market, buyers need more than enthusiasm—they need credibility. That credibility starts with understanding two terms that sound similar but carry very different weight: pre-qualification and pre-approval. Most buyers assume …

How Much Down Payment Do You Really Need?

Separating myth from reality One of the most common questions buyers ask is also one of the most misunderstood: “How much do I need for a down payment?” Most people grew up hearing that they must put 20% down to …

What Pre-Approval Really Means (and Why It Matters)

A borrower’s first real step toward homeownership For many homebuyers, the loan process feels like a maze—full of new terms, moving parts, and major decisions. One of the earliest (and most misunderstood) pieces of the journey is mortgage pre-approval. It’s …