Whether you're buying a home in Boise, Meridian, Idaho Falls, or a scenic rural town, getting pre-approved for a mortgage is one of the smartest moves you can make. In Idaho’s evolving housing market, pre-approval not only clarifies your budget — it also signals to sellers that you’re financially ready to buy. This guide walks you through the mortgage pre-approval process in Idaho, including who benefits most, how it works, and why it matters.