You should submit an application and get pre-approved before you begin your property search. This will give you a clear idea of what price range you qualify for and what type of loan you will be able to obtain. It will also give you a clear idea of whether you qualify for the best rates available. Since we do not charge for a pre-approval there is no risk to you. By being proactive, you will have plenty of time to research all available loan options without being rushed into making a last minute decision.