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Greater Seattle Mortgage
process

How long is a mortgage preapproval good for?

A mortgage preapproval is generally valid for a limited period, after which updated documentation may be required. The exact window depends on the lender and program.

By Stephanie Silverman · NMLS #13228·Updated June 22, 2026
Clean vector illustration of a mortgage preapproval letter and checklist — preapproval program

A mortgage preapproval is generally valid for a limited period, after which updated documentation may be required. The exact window depends on the lender and program.

Validity window and refresh

Why credit, income, assets, and rates can change

When to refresh before an offer

What can change a preapproval

Job change, debt change, asset movement, credit events

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