PreApproval letters are generally good for about three months. You generally have about 45 days from the date of contract to closing, so to move by April 1st, you need to be under contract 2/15/13. You should probably talk to a real estate broker who knows about finance, get a recommendation for a lender who can best serve your particular financial situation and have them pull credit and let you know what they are willing to do for you. If you have any credit issues, you still have time to resolve them in the next 60 days. Don't wait!
If credit is good and they approve you now, you can be monitoring the market to see what homes are available. Inventory is down in many areas of Charlotte, so it may be difficult to find exactly what you want. If you are building a home, you may not make the April 2013 deadline. Last week, one local builder was quoting September 2013 delivery because new home sales are very strong and they have a backlog of new home orders. If you appreciate this answer, please give it a thumbs up, or if this was the most helpful answer, please say thanks with a best answer click.