Simple, fast, and straightforward.

Getting pre-approved is the first real step in buying a home in Boerne.

Without it, you’re guessing on price, risking delays, and weakening your offer in a competitive market.

A pre-approval is a full review of your:

• Income
• Credit
• Assets
• Debt

It tells you:

• How much you can qualify for
• What your payment will look like
• Whether there are any issues to fix before buying

Boerne is a competitive market.

Sellers expect:

• Strong offers
• Verified buyers
• Clean financing

Without a pre-approval:

• Your offer may not be taken seriously
• You risk delays after going under contract

These are not the same.

• Basic estimate
• Not verified
• Less reliable

• Documents reviewed
• Credit pulled
• Fully analyzed

👉 You should always get fully pre-approved, not just pre-qualified.

You’ll typically need:

• Recent pay stubs
• W-2s or tax returns
• Bank statements
• ID and basic application info

👉 Use: Pre-Approval Checklist

During pre-approval, lenders evaluate:

• Credit score and history
• Debt-to-income ratio (DTI)
• Income stability
• Asset documentation

Even small issues can be identified early — before they become deal problems.

A strong pre-approval:

• Shows sellers you’re serious
• Reduces uncertainty
• Helps your Realtor structure a cleaner offer

In multiple-offer situations:
👉 This can make the difference.

• Must be documented
  👉 See: Large Deposits on Bank Statements Guide

• Must follow specific guidelines
  👉 See: Gift Funds Guide

• Can limit approval or purchase price
  👉 See: What to Do If DTI Is Too High

• Buyers often underestimate funds needed
  👉 See: Cash to Close Breakdown

Most pre-approvals can be completed in:

👉 24–48 hours (with full documentation)

Delays usually happen when:

• Documents are missing
• Income is complex
• Assets need clarification

Typically:

• 60-90 days

After that:

• Credit and documents may need to be refreshed

Once approved:

• You’ll know your price range
• You can confidently start shopping
• Your offer will carry more weight

When you go under contract:

👉 See: Fast Close Timeline (21–30 Days)

Once approved, DO NOT:

• Open new credit accounts
• Make large purchases
• Move money between accounts
• Miss any payments
• Change jobs without consulting your lender

👉 See: What Delays Mortgage Approval (Underwriting Guide)

Most loan issues happen because:

• Buyers skip pre-approval
• Financial issues are discovered too late
• Documentation wasn’t reviewed upfront

A proper pre-approval eliminates most of this risk.

Pre-approval is not just a formality.

It is what allows you to:

• Shop confidently
• Make strong offers
• Close without surprises

If you're planning to buy in Boerne:

👉 Schedule a quick call to get pre-approved

👉 Or start your application to review your numbers and next steps

• Pre-Approval Checklist
• Cash to Close Breakdown
• Large Deposits on Bank Statements Guide
• Gift Funds Guide
• What to Do If DTI Is Too High
• Fast Close Timeline (21–30 Days)