Get you pre-approved.
A good Realtor has a sizable network of trusted agents, lenders and other professionals involved in the home buying and selling process. Your agent should be able to connect you with a trusted lender who will take you through the pre-approval process so you can get to shopping for your home.
You want to be pre-approved so you know how much you can spend, so if you aren’t already – talk to your real estate agent about getting it done.
One thing to keep in mind is the differences between being pre-approved and prequalified. These two mortgage terms are night and day in their meaning. You want to be pre-approved which means the lender has verified your income, employment and run your credit. A prequalification letter in most circumstances does none of these things. Frankly, it is not worth the paper it is written on.
An exceptional seller’s agent will insist upon having a solid pre-approval letter so make sure you get one!