For the pre-approval process most likely. Let your loan officer know about the issue and they can discuss it with their underwriting manager to see if they'll still need the bank statements right now or not, they may be able to get direct balance verification from your bank instead (which is really what they are looking for, confirmation of the balance, but then of course bank statements reveal a lot more so then anytime information is presented it has to be evaluated). Some lenders require bank statements, and won't accept balance verification directly from the bank, because they are privy to NSF's. Each lender can have a different policy, so your loan officer will need to evaluate their requirements and if it's determined that going with the balance verification (called a verification of deposit) wouldn't violate any of their underwriting due diligence requirements then you should be fine without ever needing ANY bank statements, even July's or August's.
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