So, you're ready to buy a home—exciting, right? But before you start falling in love with quartz countertops and backyard patios, there's one essential step to take first: getting pre-approved for a mortgage.

Think of it as getting the green light before entering the race. It shows sellers you’re serious, and it gives you a clear sense of your budget. Let’s break it down into five simple steps:

1. Check Your Credit Score (Know Your Financial Reputation)

Before speaking with a lender, take a moment to review your credit score—it plays a major role in determining your loan options and interest rate. A higher score often means better terms and lower monthly payments.

You can get a general idea of your credit health through free resources like Credit Karma, Credit Sesame, or FreeCreditReport.com. These platforms are a great starting point, but keep in mind they’re just estimates and may not reflect the exact score your lender will pull.

If your score needs a boost, focus on paying down debt, making timely payments, and avoiding new credit inquiries. Small steps can make a big difference over time.

2. Gather Your Financial Documents (Yes, It’s Time to Adult)

Next up? Paperwork. It’s not glamorous, but it’s necessary. Your lender will need documentation that paints a full picture of your financial situation. Here’s what you’ll typically need:

• W-2s or 1099s from the past two years
  
  

• Recent pay stubs
  
  

• Bank statements
  
  

• Tax returns
  
  

• Proof of any additional income (bonuses, commissions, freelance work)
  
  

It’s a bit like packing for a big trip—gather everything in advance so there are no surprises later on.

3. Choose Your Lender (Shop Smart—It Matters)

Not all lenders are the same, and finding the right fit is key. Think of it like shopping for a car—you want the right features, a good rate, and someone you trust.

Many of our clients find great success working with local lenders who understand the Fairfield County market and offer a more hands-on, responsive experience. We maintain a list of recommended lenders with a strong reputation, streamlined processes, and proven results—just ask, and we’re happy to share.

Be sure to compare interest rates, fees, and service styles. You want someone who’s not just knowledgeable, but communicative and supportive throughout the process.

4. Submit Your Application (It’s Go Time!)

Once you’ve chosen a lender, it’s time to apply. They’ll do a hard credit pull, review your documents, and assess your financial standing. If everything checks out, you’ll receive a pre-approval letter—your official proof of buying power.

But here's where our preferred lenders can really make a difference: many offer fully underwritten pre-approvals, which go a step beyond the standard process. These allow you to waive financing contingencies and stand out in competitive, multiple-offer situations—an incredible advantage in today’s market.

5. Stay Financially Steady (No Big Moves Until Closing)

You’ve been pre-approved—amazing! But hold off on any major financial changes. Avoid new credit cards, large purchases, or job changes until after closing. Lenders often re-check your financials, and even small shifts can delay or derail the process.

Think of it like carrying a tray of champagne—steady hands until the celebration begins.

Final Thoughts

Getting pre-approved doesn’t have to feel overwhelming. With the right preparation—and the right team by your side—it becomes a powerful first step in your homeownership journey.

Take these five steps, lean on expert guidance, and start your home search with clarity and confidence. And if you ever need help connecting with trusted lenders, we’re here to help. Let’s find your perfect home, together.