Ask Rob · Mortgages and Financing
How long does a pre-approval last?
The Short Answer
How long does a pre-approval last?
Most pre-approval letters are good for 60 to 90 days. Documents and credit profiles are re-verified before the rate lock and again before closing, so keep the file current through the whole process. If the letter expires mid-search, the refresh is usually quick once the file is current, so renew it with your lender before you keep writing offers.
Rob's Explanation
A pre-approval is a snapshot of your file at a moment in time. Lenders re-check the picture before locking a rate and again before closing.
Timing matters in an offer market, because the letter's date is part of its credibility with sellers.
What I Would Consider
Note the letter's expiration date when it arrives, and renew before it lapses if the search runs longer than the letter.
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About This Answer
- Answered by
- Rob Dietrich, REALTOR | eXp Realty
- Georgia license
- Real Estate License #384162
- Date published
- September 6, 2026
- Last reviewed / updated
- September 6, 2026
Answers are general guidance, not legal, tax or lending advice. Brokerage services are provided through eXp Realty, LLC. Information is believed accurate but not guaranteed and is subject to change.
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