It is never too early to speak with a Lender regarding your pre-approval! A good rule of thumb is about 6 months-a year prior to when the buyer would like to look into purchasing a home. A common misconception is people need to “get things in order” before making that call. What they do not realize is most quality Loan Officers will assist the buyer in that process. Most have resources, such as credit repair companies, if the buyer’s credit is below the minimum requirement.