How long is a mortgage pre-approval good for in Kansas?

Typically, a mortgage pre-approval is valid for 60 to 90 days. In competitive markets like Overland Park or Kansas City, you should ensure your letter is current before making an offer.

What credit score is needed for a home loan in Missouri?

While a 620 is standard for conventional loans, FHA loans in Missouri may allow for scores as low as 580 with a 3.5% down payment.

Mortgage Pre-Approval in Kansas City, MO

In the competitive 2026 real estate market, a mortgage pre approval is your most powerful tool. Whether you are bidding on a home in Overland Park, Lee’s Summit, or Wichita, sellers expect a verified letter before they even consider your offer.

Start Your Pre-approval → Same-Day Pre-Approval

Why You Need a Local Mortgage Lender Pre-Approval

A mortgage loan pre approval is a formal commitment from a mortgage lender. In hubs like St. Louis and Kansas City, a house loan pre approval is often required just to tour a home.

Know Your Budget: Lock in your monthly payment for houses in Johnson County or St. Louis County.
Win Bidding Wars: Sellers prioritize buyers with a preapproval for house loan.
Faster Closing: Much of the heavy lifting is done before you even find a house.

Documents Required for Pre-Approval

To secure a home financing pre approval, have these documents ready for your loan officer or applying online:

Mortgage Ready Checklist

Gather these primary documents to secure your 2026 pre-approval.

Most Recent Paystubs
Provide the last 30 days of consecutive stubs showing year-to-date earnings.
W-2 Forms (2024 & 2025)
Include all copies from every employer for the last two full tax years.
Bank Statements (Last 2 Months)
Provide ALL pages (even blank ones) for accounts being used for your purchase.
Valid Picture ID
A clear copy of your current Driver’s License, State ID, or Passport.

💡 Underwriting Note: 2026 guidelines require documents to be no more than 60 days old at the time of final loan submission to avoid processing delays.

Ready to Start Your Home Search?

Don’t miss out on your dream home. Get your home financing pre approval today and shop with confidence.

Serving all of Kansas and Missouri since 1997.

2026 Market Update:
Conforming loan limits in Kansas and Missouri have increased to $832,750. With mortgage rates stabilizing, securing a verified home loan pre approval now allows you to negotiate with maximum confidence in competitive Midwest areas.

Recognized by Kansas City’s Top Real Estate Agencies

In a competitive market where timing is everything, our pre-approval letters are widely recognized and trusted by Kansas City’s leading real estate agencies, including ReeceNichols, Keller Williams, and local boutique firms across Jackson and Clay counties.

When you submit an offer with a Metropolitan Mortgage pre-approval, local agents know your financials have been fully verified by an in-house underwriting team that understands the KC market.

Frequently Asked Questions

What is a “pre pre approval mortgage” check?
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It is often a preliminary soft credit check that does not impact your credit score. However, a formal mortgage pre approval requires a full verification of your financial history, including paystubs, W-2s, and bank statements.

How long does the pre-approval letter last?
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Most mortgage preapproval letters are valid for 60 to 90 days. If your home search takes longer, we can easily refresh your letter by reviewing your most recent paystub and updated bank statements to ensure your borrowing power remains accurate.