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would like to buy a home in 3-6 months. Should I get pre-qualified now?

by phillips.j825 from Martinsville, Missouri. May 26th 2016 Reply


Alex Carriker (acarriker@usa-mortgage.com)
#50 ranked lender in Missouri - 3 contributions

The nice quick answer is absolutely! That way you can get everything in order, figure out a game plan, and then put in your offer knowing that everything should go smoothly! We have a lot of information on our website at IWantAGreatHomeLoan.com including a quick inquiry page where you can get the process started. Hope this helps!

May 26th 2016
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Mike Towler (mortgagemiket)
#40 ranked lender in Missouri - 26 contributions

If 3 months is a possibility then I would definitely start the process now. If it stretches into 6 months, your credit will need to be checked again but as long as everything stays the same or close to the same on your credit report you should be fine.

May 26th 2016
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Sara Deere (Saraloveshomeloans)
#1 ranked lender in Kansas - 516 contributions

I would agree with the previous answers! Starting the process now will help make sure the process goes very smooth. Keep in mind don't go buy anything new before you wish to purchase the home in which your credit will be pulled. You can go directly to my website and find information and apply online at www.movement.com/sara.deere.

May 26th 2016
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Ralph Richard Guertin (ralph@absolutelowrates.com)
#136 ranked lender in Florida - 644 contributions

YES, that way you can maximize you position and have as plan in place, if your credit needs a boost etc...

May 27th 2016
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,055 contributions

Yes.. Loans' get denied for the stupidest reasons nowadays.. so it's best to get pre approved first.. this way if there is any issues that need to be corrected, it can be done before you get under contract.. Besides, if you do end up finding the perfect home and your not pre approved, then any offer you submit will get little consideration when compared to other offers on the same property where the agent submitted pre approval letters along with their offers.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

May 27th 2016
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Brandon Brady (BrandonBrady)
#66 ranked lender in Utah - 14 contributions

Absolutely Yes! This will allow you to be in the best position for when you do find the house you want. I see it all to often, that someone that thought they had perfect credit, wait to get pre-approved until they have a house under contract, and then find out something is wrong on their credit that they weren't aware of. In many cases it is errors on the credit report that aren't their fault, but even these can take time to get cleared.

May 27th 2016
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