How to Get Pre-Approved: Smart Steps, Common Pitfalls, and the Power of a Great Mortgage Broker

Getting pre-approved for a mortgage is like getting a golden ticket to the home-buying adventure—it shows sellers you’re serious, helps you shop with confidence, and gives you a clear budget. But before you jump in, a bit of smart preparation can make all the difference. Let’s break down what you can do to set yourself up for success, what to avoid, and why working with the right mortgage expert matters.

Boost Your Credit Before You Apply

Your credit score is one of the first things lenders look at, so it pays to give it a little TLC. Here are some practical ways to strengthen your score before applying:

• Check your credit report: Mistakes happen! Review your report for errors and dispute anything that’s not accurate.
• Pay down debts: Lowering your credit card balances can give your score a quick lift.
• Pay bills on time: Even one late payment can hurt, so set reminders or automatic payments if needed.
• Avoid new credit inquiries: Hold off on opening new credit cards or loans right before applying.

What Not to Do Before Your Application

Sometimes, it’s what you don’t do that matters most. Here are some common pitfalls to avoid in the months leading up to your application:

• Don’t make big purchases: Buying a new car or splurging on furniture can impact your debt-to-income ratio and credit profile.
• Don’t change jobs suddenly: Lenders love stability. If possible, avoid changing employers or becoming self-employed right before you apply.
• Don’t close old credit accounts: It might seem like a good idea, but it can actually lower your credit score by shortening your credit history.
• Don’t co-sign loans for others: Even if you’re not making the payments, you’re still responsible in the eyes of lenders.

Why Your Mortgage Broker Matters (A Lot!)

Not all lenders are created equal. While big box lenders often take a one-size-fits-all approach, a dedicated mortgage broker can tailored solutions to your unique situation. A mortgage broker can also shop around with different lenders to find an excellent rate in today's market. That’s where I come in!

As “The Loan Doc,” I specialize in helping complicated buyers—even those with past credit mistakes or who’ve been turned away by other lenders—find the right strategy for their next home loan. My approach is personal, creative, and always in your best interest. I believe everyone deserves a shot at homeownership, and I’m here to guide you every step of the way with clear communication and a can do attitude.

If you’re ready to get started (or just want to chat about your options and future strategy), reach out today. Together, we’ll create a plan that works for you—no matter where you’re starting from.