North Metro Atlanta · Buying
How long does a mortgage pre-approval last?
Most mortgage pre-approval letters stay valid for a limited period before a lender needs updated pay stubs, bank statements or a fresh credit pull to reissue one, since income and credit can change over time. Timing pre-approval close to when a buyer plans to start touring homes keeps the letter current through an actual offer. Joel Boss recommends buyers refresh pre-approval if their search runs longer than expected.
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