Financing
Getting Pre-Approved for a New Home
July 24, 2026 · 2 min read
Why pre-approval matters, what lenders look at, and how to be ready before you tour.
Pre-approval tells you what you can borrow and signals to builders that you're serious. It's the right first step before touring.
What lenders evaluate
- Income and employment history
- Credit score and history
- Debt-to-income ratio
- Down payment and reserves
Be ready
Gather recent pay stubs, tax returns, and bank statements. Avoid big new debts before closing. We can connect you with lenders and help you understand your pre-approval so you tour with confidence.