Too early to start Mortgage process?

[Topanga1]

My wife and I are considering a home purchase and move during the summer.  Is it too early to start the mortgage pre-approval process?  Our credit history is excellent and we're spending within our "means".  Two months ago we were fully approved for new home construction with Ryan homes/NVR mortgage for $400,000 (unfortunately we lost our lot and had to end the process).  We're now looking at resale properties ($300,000 to $350,000), so we're not too concerned with being approved.  We didn't want to start too early and have a bank/CU pre-approval expire before the summer.  Any ideas?

EFX-707

XPN-751

TUC-718

[rehr22]

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@Topanga1 wrote:

My wife and I are considering a home purchase and move during the summer.  Is it too early to start the mortgage pre-approval process?  Our credit history is excellent and we're spending within our "means".  Two months ago we were fully approved for new home construction with Ryan homes/NVR mortgage for $400,000 (unfortunately we lost our lot and had to end the process).  We're now looking at resale properties ($300,000 to $350,000), so we're not too concerned with being approved.  We didn't want to start too early and have a bank/CU pre-approval expire before the summer.  Any ideas?

EFX-707

XPN-751

TUC-718

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Ryan Homes, interesting.  Are you from New Jersey?

[boomhower]

I'd wait until you are ready to buy.  No point in racking up more inquiries than needed.