If you look at homes and find one you want to write an offer on but your lender says it's not time, you wouldn't be in the position to write an offer. Once you would be in the position to write an offer, the home may no longer be on the market.
If you wait until you are in the position to write an offer if would be a much smoother process. A preapproval letter has to be submitted at the same time as the offer.
Itâ€™s not the fact of not looking at homes. Go to open houses until you are ready. This way you get an idea of what you want. It can take a little while to reach your 620 score to get approved. Do you really want to find the house of your dreams, only to lose it because you are not approved yet? When you do find the house of your dreams, you will always compare the entire house to that one house you loved. Then nothing you find you will like. It doesn't hurt to go to open houses. You don't need an Agent to go to open houses and look. Take this time to eliminate what you don't want and find what you do want. So when you do get approved you already know the style, layout, etc. This will make it easier for you.