Washington’s housing market is known for its competitiveness, whether you’re shopping in Seattle, Bellevue, Spokane, Tacoma, or the quieter rural areas across the state. Homes often move quickly, bidding wars are common, and serious buyers need every possible advantage. That’s where mortgage pre-approval comes in. Getting pre-approved strengthens your buyer profile, helps you shop with confidence, and positions you as a credible, prepared buyer. This guide walks you through everything you need to know about mortgage pre-approval in Washington.