Hello, again! You can make application for a mortgage and obtain approval in advance. Then all you have to do is find a home to make an offer on. As mentioned before by other agents, in some cases you will also have to apply with the Seller's preferred lender. They want to make sure that if your lender, if you have one, denies your loan, that you could qualify for alternative financing and they would be able to step in and take over. This insures the Buyer will not use the financing contingency to get out of the deal down the road. Sometimes the preferred lenders can offer more attractive terms and rates, and insure a smoother process for everyone. Most offers to purchase will require a pre-approval letter from a lender or proof of funds.