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BluPrint News

3 Reasons Why Mortgage Pre-Approval Should Be At The Top Of Your To-Do List

Published On September 24, 2024

Dreaming of buying a home? Before you start scrolling through listings, there’s one key step that can make the entire process smoother: getting pre-approved for a mortgage. 

Pre-approval isn’t just a formality – it’s a powerful tool that gives you a clearer picture of your finances, boosts your credibility with sellers, and speeds up the closing process. Here’s why pre-approval should be the very first thing on your homebuying checklist:

1. Pre-Approval Helps You Budget

Why guess when you can know? A mortgage pre-approval gives you a clear idea of how much home you can afford, helping you focus on homes that fit your budget. No more falling in love with a home, only to find out it’s out of reach!

2. Pre-Approval Provides You with a Stronger Offer 

When you’re pre-approved for mortgage, home sellers take you more seriously. It shows them you’re a ready and qualified buyer, which can give you an edge in a highly competitive market, especially with interest rates on the steady decline. The more solid your offer is, the better chance you have of landing your dream home against other eager homebuyers. 

3. Pre-Approval Means Faster Closing

Like signing and working with a bunch of documents? Neither do we. Pre-approval means less paperwork later and since you’ve already done some of the legwork upfront, the homebuying process can move along faster once you’ve found your home. Who wouldn’t want to speed things up?

We’re Here to Help! 

At BluPrint, we’re here to help you find the best loan options for your situation. We pride ourselves in our transparency, experience, local expertise, and out-of-the-box solutions that will get you into your new home or help you save money on your existing loans. Get in touch with one of our local experts about getting a quick mortgage pre-approval here.


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© 2025 NFM Lending, LLC dba BluPrint Home Loans. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending. www.nfmlending.com. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites.