06/01/2026
A pre-approval is not a guarantee.
It's a snapshot — what your finances looked like the day the lender pulled them. Things that can blow it up between pre-approval and closing:
A new car loan. A new credit card. A big purchase on a credit card. Changing jobs. A large unexplained deposit in your account.
Once you're pre-approved, freeze your financial life. No new debt, no big moves, no surprises. The boring path is the path to a clean closing.
Your lender will love you. So will your seller.