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  • Allows you to get an accurate idea of how much you can afford.
  • A pre-approval letter is essential in a competitive real estate market. An offer without a pre-approval letter may not be taken as serious as an offer from a fully pre-approved buyer.
  • A pre-approval offers you more negotiating power by showing the seller that your offer is valid.
  • Most real estate agents require a pre-approval, but if the agent does not and you present them with one, they will work harder for you.
  • Once pre-approved, you can close on your home in weeks rather than months. Which is another advantage you will have when negotiating with the seller.