Buying a home is a major milestone, but in today’s competitive markets, like Seattle and Portland, getting pre-approved for a home loan is no longer optional - it’s essential. Sellers want serious and qualified buyers, and buyers want confidence. Mortgage pre-approval gives you both. This guide breaks down exactly how to get pre-approved for a home loan, what lenders look for, the documents you’ll need, how long it takes, and how to boost your chances of approval.