How long is a US pre-approval letter valid, and when should I update it?

Applies to: United States.

A US pre-approval letter is valid for 90 days and can be updated on request. A real-estate agent may ask for a more recent letter, sometimes one issued within the past 30 days; that request is separate from the 90-day validity period.

Contact your processing team if you need a refreshed letter for an offer or want to be assessed for a different purchase amount. Tell the team when you need it and what has changed.

What if my circumstances change before closing?

Tell your team about a change in employment, income, credit or purchase price. It may need updated documents or a fresh assessment before you rely on the existing letter.

Read the conditions in your letter. Preliminary qualification and an investor's final approval are different stages, and a valid letter does not mean every condition for your chosen property has been completed.