We get that a lot Joan. It's amazing how sometimes a simple credit analysis and review can do wonders for the borrower looking to get pre-approved. Credit utilization makes up 35% of a borrowers credit score, many times we can have the borrower pay as little as $100 down on revolving trades and it adds several points to the score. We utilize a "What If" simulator, what this does is allow us to plug in an amount of available cash and run a scenario to see exactly how many points the borrower can add by paying down revolving debt. Once this is paid down, a simple re-score and now you have a pre-qualified borrower. I'd highly recommend you ensure your lender has this capability or you could be jeopardizing a potential pre-approval.
In my Florida Buyer's Guide, not only are the major factors for being approved listed but the 'red flags' lenders look for are listed as well. Looking to buy in Tampa FL, you really should request this PDF.