Most people think getting pre-approved is a simple yes or no, but there’s a smart way to do it that keeps you from getting in over your head. In this episode, I sit down with my friend McCain Marrow from United Home Loans to break down what approval really means and how to approach it with confidence.

We talk about the difference between pre-qualification, pre-approval, and a full pre-underwrite, why your “CIA” (credit, income, and assets) matters, and how understanding your real numbers helps you avoid stress later on.

We also get into comfort budgets, closing costs that buyers forget about, and simple ways to strengthen your offer without spending more money.

It’s all about clarity, smart planning, and making decisions that let you sleep at night, not stretch your finances too thin.

🎧 If you want to get approved the right way, this episode is for you.