What You’ll Need to be Pre-Approved

chris.ha • December 12, 2019

When buying a home, the majority of buyer’s are going to need a loan. Unless you’re lucky enough to have an outstanding amount of cash on hand, you’re going to have to rely on a bank or private lender to give you the funds. The more you learn about the loan process, the easier it will be for you when you’re ready to get funding. Let’s go ahead and break down pre-approval, it’s process, and what you as a buyer are going to need to have ready.


Pre-qualification vs. Pre-approval


There’s a big difference between pre-qualification and pre-approval. Pre-qualification is great for getting an estimate on how much you can afford to buy when you finally purchase that home. But pre-approval is a set number that you know you’re going to get. The reason most agents will ask if you’re pre-approved is because if you know exactly how much you can spend, it narrows down the search process for your new home.


The last thing you want and the last thing any agent wants, is to go out on the weekends, view a ton of houses, then come to find out that you cannot afford the house you fell in love with. As agents, we don’t want to get your hopes up and have them crushed by a lender. It is always best to get pre-approved, so you can search through all the homes you know you can afford without wasting your hard earned free time on the weekends.


What You’ll Need


  • Proof of income
  • Proof of assets
  • Solid Credit
  • Employment verification
  • Any extra documentation


The first four are probably of no surprise to you, but the last one “Any extra documentation” is probably one of the most important ones. Not everyone has the same situation, some people may qualify for certain programs such as VA or Down Payment Assistance. Make sure you’re very open with your lender about your situation and what you want and need from them, this will allow them to do whatever they can do to make sure you get the best rate and the best loan!


For example, Homebridge Financial (one of our preferred vendors) actually offers an assistance program for veterans, first responders, teachers, etc. They offer you a big credit and waive certain lender fees that most people have to come out of pocket to pay. So make sure you do your research and ask your agent for all their preferred lenders so you can shop around for your best option,


How to get started


Now that you know all of the information you will need, and why, now it’s time to gather all of those documents and go shopping! There are multiple different types of lenders, such as Credit unions, mortgage bankers, correspondent lenders, S&L’s and mutual savings banks. You’ll want to verify if each lender you consider is registered in the state you’re going to be shopping in. This can be done through the Nationwide Multistate Licensing System Registry.


Your next step is to simply get pre-approved and to compare your rates. This is where communication is key! You’ll want to make sure you ask all of the right questions and read the fine print on everything each lender gives you. This can be a time consuming process, so consider talking to your agent or lender about what’s best for your situation.


Some questions to ask can be:


  • What are the down payment requirements?
  • What am i responsible to pay for at closing?
  • Can you waive these fees or roll them into my mortgage?
  • Do you offer discount points?

These are just a few of the questions you will want to make sure you ask. If you still don’t feel comfortable with your lender, have your agent help you. Remember, as an agent, it is their job to keep your best interest in mind and to make sure you walk away happy and with everything you need.


If you’re still looking for an agent that will help you find the home of your dreams, and take you through the process with your best interest in mind, reach out to the Brown Home Group at Keller Williams Advantage II Realty! You can find us on all social media platforms or on our website at www.brownhomegroup.com


-Or call us at 321-348-8720



Written By: Blaine Wyker


Sources:

https://www.nerdwallet.com/best/mortgages/tips-for-finding-best-mortgage-lender

https://www.investopedia.com/financial-edge/0411/5-things-you-need-to-be-pre-approved-for-a-mortgage.aspx

By Rick Brown November 17, 2025
You’ve moved out. The house is empty. And every day it sits unsold, it costs you—emotionally and financially. Selling a vacant property comes with a unique set of risks and responsibilities. But with the right strategy, you can attract serious buyers, manage expenses smartly, and close the deal from wherever you are. These seven sections walk you through the most critical moves to make now. Keep Costs Predictable, Even From Afar The moment your home is vacant, you're still on the hook for utilities, insurance, taxes, and upkeep—but without the daily visibility you once had. Before problems escalate, get ahead of your spending. Create a budget that includes real estate commission, home prep, staging, and potential concessions. You don’t want surprise expenses hitting at closing. Knowing what home‑selling fees to expect lets you estimate your break-even point and time your price adjustments with confidence. Maintain a “Lived-In” Look Without Living There Empty homes feel cold. Worse, they signal neglect to buyers. If you’ve already left, set up systems that keep the home visually appealing. Schedule weekly landscaping. Arrange for packages and flyers to be removed from the porch. And invest in basic curb appeal—new mulch, trimmed bushes, fresh doormat. These curb appeal tips for a vacant property give your place a lived-in energy, even if no one’s been there for weeks. Make It Easy for Buyers to Emotionally Connect An empty house forces buyers to use their imagination. And not all of them are good at it. Visual staging fills that gap. Focus on key areas: living room, primary bedroom, dining space. Add just enough furniture to give a sense of scale and flow. And make sure your agent is using digital walk-throughs, interactive floor plans, and smart scheduling tools to guide remote buyers. These vacant home staging essentials create warmth and orientation without requiring you to restage the entire property. Shrink Monthly Carrying Costs Without Cutting Corners Don’t let a vacant home drain your wallet. The big four to watch are utilities, insurance, cleaning, and lawn care. Start by talking to your utility companies —you may qualify for an “inactive-but-maintained” rate. Some home insurance carriers offer vacancy policies that cost less but still meet requirements. And there’s no shame in automating small stuff. Stage Strategically—Not Expensively You don’t need a warehouse of designer furniture to make your house feel like home. A few well-placed items—lamps, neutral art, entryway rug, a small bistro table in the kitchen—can create a “this could be us” vibe. Many homeowners go the DIY route: inflatable beds for bedrooms, baskets for towels, mirrors for light. Don’t overdo it. Your goal isn’t HGTV— it's comfort and clarity . Offer Peace of Mind With Protection Plans When you’re not around to address buyer concerns in person, the smallest unknowns can feel like big risks. One way to calm nerves is by working with your real estate agent to offer a home warranty or listing-period protection plan. These policies can ease inspection-related fears, especially in vacant homes where buyers can’t easily ask, “What’s that noise?” or “Was that just fixed?” By covering certain systems or appliances, you reduce the chances of last-minute negotiations over minor issues. To see how these plans can add buyer confidence, check this out . Close the Sale From Anywhere (Without Drama) You no longer need to be in town—or even in the same time zone—to close on your home. Remote closings, mobile notaries, and e-signatures are all standard now. Just make sure your title company and agent know you’re remote from the start. You’ll also want to confirm how funds are disbursed and whether there’s anything you need to sign in person. This explainer on the remote closing process for sellers lays out the exact steps and timelines so you’re not scrambling when the deal goes live.  Selling a vacant home doesn’t need to feel like a logistical headache. With the right setup—clear communication, practical staging, remote closing support—you can keep momentum high and hold costs low. And when buyers walk in, they’ll feel like someone just stepped out to grab coffee—not like they’re the first ones back in after a long time. That’s the kind of energy that sells homes quickly—and cleanly—from a distance.
October 28, 2025
There’s this moment before the demolition starts—before the hammer swings, before the contractor texts you “running late”—where it all feels possible. You’ve got your Pinterest board, maybe a sketch on a napkin, some color swatches you’re already half-committed to. And then, pretty quick, it turns into noise. Timelines slip. Dust finds its way into your underwear drawer. People stop showing up when they said they would. And suddenly you’re Googling “is it normal to cry during a remodel.” So here’s the deal. This isn’t a blueprint. It’s a gut-check. Planning Isn’t Optional Winging it will eat your lunch. If you’re thinking “we’ll just figure it out as we go,” go ahead and budget double. You’ve got to define your renovation scope before you do anything. Write it down; get specific. What’s staying. What’s getting ripped out. Where can you flex if costs balloon. People will ask “what’s the plan?” and you’ll think you have one, but unless it’s down on paper? You don’t. This isn’t HGTV. This is your house. Clarity protects you. Don’t Hire the Vibe — Hire the Plan The smooth-talking guy might not show up after deposit day. You need receipts, not vibes. When you’re talking to contractors, don’t get hypnotized by jargon or charisma. Push for structure. Get everything in writing. Start date, payment schedule, who’s responsible for hauling out the mess — all of it. If they squirm, that’s your cue. Be direct. Ask for clear contractor commitments and make sure they don’t treat it like a weird request. It’s not personal. It’s your sanity on the line. Your Docs Will Get Out of Hand. Tame Them. Permits. Receipts. Contracts. Mood boards. Estimates. You’ll think, “Oh, I’ll remember where that is.” You won’t. They’ll be in six different inboxes and three cloud folders. And right when you need that signed plumbing quote, it’ll be buried under something labeled “Final FINAL v3.” Merge your PDFs. All of them. Stick ‘em in one place. Bookmark it. Reference it. It’ll save you mid-panic. If you need a no-hassle way to do that, just take a look and pull your renovation paperwork together before it unravels. Your Budget is Lying to You Whatever your estimate is, add 20%. Just do it. Even if everything feels locked. Even if your spreadsheet color codes make you feel safe. You will discover something behind a wall or under a floor that makes your electrician say “uhh, we’ve got a problem.” And then you’ll either panic or pull from the padding you had the foresight to set aside. The smart move is to budget with a contingency buffer . It’s much better to have leftover money than an unfinished bathroom and maxed card. Your House Will Not Be Livable. Accept That Now. There’s no such thing as a dust-free renovation. It will get in your socks. It will float into your cereal. Your door might be off the hinges for days. Water might be shut off. One night you’ll try to find your toothbrush and discover it under a tarp next to a pile of grout. Even if your contractor promises otherwise, lead times can extend project delays and suddenly you’re eating takeout on an upside-down laundry basket. Make peace with chaos early. It’s coming, either way. The Curveballs Hit Hardest When You’re Tired You’ll make your worst decisions on day 32 when you're over it and just want it to end. That’s when you say yes to the wrong tile or skip a final inspection. Don’t. Force yourself to stay sharp when everything’s blurry. Renovations don’t fall apart all at once — they drift. You skip a walkthrough. You ignore a bad gut feeling. You rush because you’re done emotionally. Don’t do that. Prepare for what most homeowners miss entirely : the fatigue. It’s the invisible enemy, and it wrecks more projects than bad tile ever could. It’s Not Done When It’s “Done” The crew might pack up. The floors might look shiny. But you’re not out of the woods yet. There will be fixes, touch-ups, little weird quirks you don’t notice until week two. Make a punch list. Schedule a walkthrough. Don’t ghost the finish. That last 5%? It’s everything. Set yourself up to follow a simple renovation checklist that keeps you honest when all you want to do is collapse on your new couch and pretend it’s over. Finish strong. Or live with regrets. Renovating your home will test you. You will second-guess your choices. You’ll hate paint colors you once loved. You’ll wonder if the crew is ever coming back. And then, weirdly, one day — it’ll be done. The house will be quieter. The walls smoother. You’ll notice you stop holding your breath when you walk into the kitchen. That’s when it hits you. It was never just about the tile or the lights. It was about holding the line when everything wanted to slide. And you did.
August 6, 2025
JUNETEENTH HISTORY: Juneteenth commemorates the June 19, 1866, announcement in Texas that enslaved people there were finally free, marking the end of slavery in the United States. It is celebrated to remember the news of the Emancipation Proclamation reaching Texas over two years after it was initially issued. Initially celebrated with prayer meetings and spirituals, it has evolved into a nationwide celebration, recognized as a federal holiday
August 6, 2025
As we approach Independence Day, we’re filled with gratitude—for freedom, for community, and for the place we all call home. 🏡✨ This season reminds us of the importance of unity, resilience, and celebrating life’s meaningful moments with the ones we love. Whether you're lighting up the sky with fireworks, sharing a meal with neighbors, or simply relaxing under the summer sun, we hope your Fourth is filled with joy, laughter, and unforgettable memories. From our family to yours, Happy Independence Day! Here's to the red, white, and blue—and to finding your perfect place to call home. ❤️🤍💙 With warmest wishes, – The Brown Home Group
By Rick Brown July 30, 2025
What's Hot in Florida Law
By Rick Brown June 18, 2025
Summer Laws & Legal Tips New Rules, Real Risks, and Updates Every Florida Business & Homeowner Should Know!
By Rick Brown May 27, 2025
May Moves with OLG Q&A Drops, Big Wins, and That June Deadline You Really Shouldn’t Miss!
More Posts