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Pre-Approval is having a lender or mortgage broker review your finances and specify in writing the amount they are prepared to lend to you in order to purchase a property.
Yes, when you are ready to purchase a property it’s a good idea to get pre-approved.
If you are ready to purchase a home, follow-through with the pre-approval process.
If you are not ready to purchase a home you may want to wait to get pre-approved. Pre-approval letters are normally good for between 60-90 days.
If you are looking for a short sale. These sales normally take a longer time, so you may want to time your pre-approval in consultation with your agent and lender.