It is very helpful to have you're pre-approval, but not necessary. There are agents and sellers that require a pre-approval prior to showing homes. To be quite honest, when it comes to making an offer on a home, Sellers and Agents will take your offer seriously if they know you're in a position to buy their home. The market is hot, and you don't want to lose your opportunity! I recommend getting your pre-approval prior to looking for your home. You will know what your borrowing power is, and what your comfort level is. Howard Hanna has a financial department that will do this at no cost, and with no commitments to use their financing. Although, our clients usually follow through with Howard Hanna for their financial needs. Please call me. I look forward the hearing from you firstname.lastname@example.org 724-822-2259 Text or Call.