When is a good time to start applying to mortgages, getting pre qualified etc when looking to buy in October?

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Whenever your credit score will be the highest and once you have been at your job for a solid two years

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My mortgage lady said to apply within 90 days of purchasing

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Make sure to shop around!

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Check with financial institutions as their approvals and rates are only valid for a certain period of time. You also don't want too many inquiries hitting your credit background as it lowers your score. All paper work can be done pretty fast so don't rush, do your homework now and shop around offers and institutions.

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Pre approval is generally 120 days. I'd start shopping lenders here in a few months.

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No once you get pre-approval, it is usually good for 120 days

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Thanks for the tips guys!

@D2 so you're saying the pre approval process takes 120 days?

Ah I see, got ya

Pre approval itself can even be done online with a turnaround of <1 day

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