Texas Lone Star Lending Video

5 Steps to Get Pre-Approved for Your Dream Home

Shop for a home with confidence, be prepared. Pre-approval gives you clarity and confidence.

Posted 3/23/26  |  1:31

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Want to shop for a home with confidence? Here are 5 steps to get pre-approved the right way.

1. Calculate your budget and credit

Know what payment feels comfortable and understand your credit standing. This sets realistic expectations from the start.

2. Gather required documents

Lenders need proof of income, bank statements, and possibly your tax returns. Having them ready speeds up the process.

3. Choose a broker

Work with someone who clearly explains your options. The right guidance makes the process smoother.

4. Get pre-qualified then pre-approved

Pre-qualification gives you an estimate. Pre-approval carries more weight when making an offer.

5. Avoid big purchases

Large purchases or new credit can change your approval status. Keep your finances steady until closing.

Pre-approval gives you clarity and confidence. We're ready when you are.

Helpful next steps

  • Explore: First-time homebuyer Programs and situations that may help new buyers understand their options and take the next step.
  • Explore: Buy a home Loan options and special situations for people preparing to buy a home.
  • Use: Affordability Calculator Estimate a possible home price based on your down payment, loan assumptions, and either your income or your desired monthly payment.
  • Use: Rent vs. Buy Calculator Compare the long-term cost of buying a home with the cost of continuing to rent, using your rent, home price, loan assumptions, and expected time in the home.
  • Use: Payment Calculator Estimate a monthly mortgage payment based on purchase price, down payment, loan term, occupancy, and interest rate.

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