Why You Should Get Pre-Approved Now for a Fall Move
1. Lock In Rates Early
Mortgage rates fluctuate frequently, and sometimes significantly. By starting the pre-approval process now, you’ll be in a position to lock in a rate when conditions are favorable. Even a small difference in interest rates can save you thousands over the life of your loan.
2. You’ll Be Ready When Your Perfect Home Hits The Market
In many Midwest markets, fall sees a second wave of housing inventory after the busy spring and summer months. Homeowners who didn’t sell earlier may list in the fall, hoping to move before winter sets in. Being pre-approved means you can jump on new listings quickly—often before buyers who are just beginning their financing journey.
3. Sellers Take Pre-Approved Buyers More Seriously
With pre-approval in hand, your offer is stronger and more appealing to sellers. Especially in markets with multiple offers, sellers will almost always favor a buyer who already has financing lined up over one who does not.
If you’re competing for a home in September or October, being pre-approved can give you the edge you need to win the deal.
What You’ll Need to Get Pre-Approved
The process is easier than many people think. You’ll typically need:
Proof of income (pay stubs, W-2s, or tax returns)
Proof of assets (bank statements, investment accounts)
Good credit score and history
Employment verification
Personal identification (driver’s license, Social Security number)
Most pre-approvals are good for 60 to 90 days, so starting now gives you a clear timeline for home shopping this fall.
Final Thoughts
The Midwest is full of great opportunities for homebuyers, from suburban neighborhoods to rural retreats. If you're eyeing a fall move, getting mortgage pre-approval this summer is one of the smartest things you can do. It prepares you financially, puts you in a stronger position with sellers, and allows you to move quickly when the right home hits the market.
Ready to get started? Our team is here to walk you through the process step-by-step—no pressure, just clear guidance. Reach out today and let’s get you on the path to your next home.