Do I need to get pre-approved for a mortgage before starting my search for a home?

In most cases, yes. Having a mortgage pre-approval helps you shop for a home with confidence, and helps your agent know that you are truly ready and serious about taking the next step in finding a home. It also allows us to eliminate anything that is out of your budget. It is ideal when it comes to writing offers, because in today’s competitive market many buyers are opting to submit offers without a financing condition. It shows sellers that you have your finances in order, which is helpful in competitive situations such as this. It also locks you into a mortgage rate for 90 days or more!