How Long Is a Pre-Approval Good For?
Most mortgage pre-approvals are valid for 60 to 90 days. Some lenders might extend it to 120 days, but that’s not always the case. Why the time limit? Because your financial picture—credit, income, debt—can change, and lenders want to make sure they’re working with the most up-to-date info when you’re ready to buy.
What Happens When It Expires?
Don’t panic—if your pre-approval expires, it doesn’t mean you’re starting from scratch. You’ll just need to refresh your application. That typically involves:
Submitting updated financial documents (pay stubs, bank statements, etc.)
Allowing another credit check
Verifying employment and income again
If nothing major has changed in your finances, it’s usually a quick update—not a full restart.
Pro Tip: Stay Ready, So You Don’t Have to Get Ready
If you’re actively house hunting, try to stay within the pre-approval window. But if your search is taking longer, here are some tips:
Keep your finances steady – Avoid big purchases or taking on new debt.
Stay in touch with your lender – They can give you a heads-up when it’s time to refresh your pre-approval.
Don’t ignore the expiration date – Sellers and real estate agents may not take an expired pre-approval seriously.
The Bottom Line
Your pre-approval is your homebuying green light—but it’s only good for a limited time. Think of it like a carton of milk: it has an expiration date for a reason, and you don’t want to find out it’s expired when you’re ready to make a move.
Need help updating your pre-approval—or getting one in the first place? I’m here to make the process smooth, stress-free, and totally tailored to you.
