Why Pre-Approval Should Be Your First Move in Central Texas

When you’re ready to buy a home in Central Texas, your first step shouldn't be touring homes — it should be getting pre-approved for a mortgage. This one move can save you time, money, and disappointment in a competitive market.

What Is Pre-Approval and Why Does It Matter?

Pre-approval means a lender has reviewed your credit, income, and financials, and has conditionally agreed to lend you a specific amount. Unlike pre-qualification, which is often a basic estimate, pre-approval carries real weight — especially in fast-moving Central Texas markets like Killeen, Belton, Temple, and Copperas Cove.

Sellers take your offer more seriously when you include a pre-approval letter. In fact, many won’t even consider an offer without one.

The Central Texas Advantage

In areas with high demand and competitive pricing — particularly around Fort Hood — homes often receive multiple offers. Being pre-approved makes you a stronger, more credible buyer and can be the edge that wins you the home.

What You’ll Need to Get Pre-Approved

• Income verification (W-2s, pay stubs, tax returns)

• Employment information

• Credit history and score

• Debt and asset statements

• Identification (driver’s license, SSN)

A responsive local lender can typically complete this process in 1–3 days.

Work With a Local Loan Officer

Choosing a Central Texas–based lender ensures they understand local market conditions, tax rates, and appraisal values. They’re also more likely to work closely with your REALTOR® to keep the transaction on track and stress-free.

Bottom Line:
Before you fall in love with a home, make sure you're financially positioned to buy it. Pre-approval gives you clarity, confidence, and leverage — three things every successful buyer in Central Texas needs.

To better navigate the complexities of today's real estate market, Valeria Collins-Jones and her amazing team at All City Gold Team are here to guide you every way possible to get you into the right home of your choice.
Contact Valeria Collins-Jones (Texas Licensed REALTOR®) at 254-624-1785 or visit www.allcitygoldteam.com for expert guidance.