Pre-Approval Prep Checklist
Gather these once, get approved in days — not weeks. In the Charleston market, the pre-approved buyer wins.
Documents gathered0 of 0
1. Income & Employment
2. Assets & Down Payment
3. Identity & History
4. Military / VA Buyers
DO — Before & During the Loan
- Keep paying every bill on time
- Keep money seasoned in your accounts
- Respond to lender requests same-day
- Shop 2–3 lenders within a 2-week window
- Ask Troy for trusted local lender intros
DON'T — Until After Closing
- Don't open new credit cards or loans
- Don't finance a car or furniture
- Don't change jobs without telling your lender
- Don't make large unexplained deposits
- Don't move money between accounts
- Don't co-sign for anyone
Good to know
- You don't need 20% down — many buyers put 3–5% down, and VA buyers often put down zero.
- Exploring pre-approval starts with a soft conversation — it won't wreck your credit.
- Sellers take pre-approved offers seriously. In a competitive market, it can win you the house.
Ready for your real number?
Troy works with excellent local lenders who know the Charleston market and close on time. Ask for an introduction — it's a two-minute conversation with zero obligation.