If you're unsure about your pre-approval you can get another one within 14 days and the inquiry won't cost you any points. Also make sure when you write an offer it's contingent on you getting financed. That way if something falls through you get your earnest money back. Dunno about the credit, I personally have a hard time seeing things getting much better. It's a pretty great deal already and people seem to be getting sick of all the spending that's happening. Plus the market seems to be taking a turn in some places.
