Why Getting Pre-Approved Should Be Your First Step in the Homebuying Journey

Buying a home is exciting—but before you start scrolling through listings or scheduling tours, there’s one move that can set you up for success: getting pre-approved.

What is Pre-Approval?

A mortgage pre-approval is a letter from a lender stating how much you’re qualified to borrow based on your finances, credit, and employment. It shows sellers you’re a serious buyer and gives you a clear home-shopping budget.

Why It Matters:

• Gives you a competitive edge: In a market like Chico and across California, homes can go quickly. Pre-approval helps your offer stand out.

• Saves you time: You’ll focus on homes in your price range—no falling in love with a house you can’t afford.

• Uncovers issues early: You’ll find out if there are any credit or income hiccups to work through before you’re deep in the process.

How to Get Pre-Approved:

It’s easier than most people think. You’ll need to provide:

• Proof of income

• Employment history

• Credit check authorization

• Asset documentation (like bank statements)

As a mortgage advisor, I help my clients through this step every day—making sure your approval is tailored to your goals, whether you’re aiming for a low monthly payment, down payment help, or simply want to know what’s possible.

Ready to take the first step?

Let’s plant the seed for your homeownership journey—reach out today and get pre-approved with confidence.