Mortgage Pre-Approvals — Mohr Mortgage

Shopping for a home without a pre-approval is like grocery shopping without knowing your budget. A proper pre-approval gives you a real, lender-backed number — and the confidence to make an offer when you find the right place.

What a strong pre-approval includes

Document verification. Income, down payment, and credit — reviewed up front, not assumed.
A held rate. Protection against rate increases while you shop, typically for 90–120 days.
A realistic budget. Based on the stress test and your actual financial picture, not a rough online estimate.

Why it matters in a competitive market

Sellers and their agents take pre-approved buyers seriously. In a multiple-offer situation, a genuine, document-backed pre-approval can be the difference between an offer that gets a second look and one that doesn’t.

Get pre-approved before you start house hunting — it costs you nothing and puts you in a stronger position from day one.

Common questions

How long does a pre-approval last?

Typically 90 to 120 days, depending on the lender, with your rate held for that period.

Does a pre-approval guarantee my final approval?

Not quite — final approval also depends on the specific property you buy. But a solid pre-approval means far fewer surprises at that stage.

Will getting pre-approved hurt my credit?

A credit check is involved, but one well-timed check for a pre-approval has minimal impact on your score.