A: Yes! Getting pre-approved helps you understand what you can afford, strengthens your offer, and shows sellers you’re a serious buyer. It’s one of the smartest first steps in the mortgage process.

A: Avoid it. Big purchases like cars or furniture can affect your credit score and debt-to-income ratio, potentially putting your loan approval at risk. Hold off until after closing.

A: Not recommended. Lenders want stable income, and changing jobs—especially to a different field—can delay or jeopardize your loan approval. If a change is unavoidable, talk to your loan officer first.

A: No. Opening or closing credit lines can impact your credit score and alter your profile. Keep your credit activity steady until your loan is fully closed.