Top mistakes: shopping before pre-approval, maxing your budget with no cushion, opening new credit mid-process, and skipping the lender comparison that a broker provides.
Preparation mistakes
House-hunting without a pre-approval wastes time and weakens offers. Stretching to your maximum budget leaves no room for repairs or emergencies. Start pre-approved, and buy with a cushion.
Process mistakes
Do not open new credit or make large purchases mid-transaction — it can derail underwriting. And do not accept the first rate you see; comparing lenders (what we do) can meaningfully lower your cost.
Frequently asked questions
Why not shop before pre-approval?
You risk falling for a home outside your budget and making weak offers. Pre-approval first, always.
Can I buy a car while buying a house?
Avoid it — new debt mid-process can change your DTI and jeopardize approval.
Should I just use my bank?
Compare first. A broker shops many lenders, which often beats a single bank’s offer.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.