How to Get Pre-Approved During the Holiday Rush
By The Krista Hartmann Home Team

The holiday season may feel like the busiest time of the year—but it can actually be one of the smartest times to start your homebuying journey. While most people are focused on travel, shopping, and celebrations, serious buyers have a unique advantage: less competition, motivated sellers, and lenders who are still very much open for business. And the key to getting ahead? Getting pre-approved early.

Here’s how to make the pre-approval process smooth, stress-free, and fast—even during the holiday rush.

1. Gather Your Documents Before Things Get Busy

Lenders typically need:

• Recent pay stubs

• W-2s or 1099s

• Tax returns

• Bank statements

• Employment history

• Credit information

Since the holidays are already hectic, get these documents together early so you’re not scrambling in between events or family gatherings.

2. Check Your Credit Before Lenders Do

Your credit score plays a huge role in your interest rate and approval amount. Before applying, take a quick look to make sure there are no surprises—late payments, incorrect balances, or accounts you forgot about. Small fixes now can save you a ton later.

3. Keep Your Finances Steady (Even During Holiday Shopping)

Holiday spending can impact your debt-to-income ratio. To keep things smooth:

• Avoid opening store credit cards

• Don’t finance big purchases

• Keep balances low where possible

Lenders like to see stability, especially during a season known for impulse buys.

4. Shop Lenders Early—They Get Busy Too

Many buyers wait until January to start the process, which means loan officers get slammed. Starting in December means faster response times, more personalized service, and a clearer path to the closing table once you find your home.

The Krista Hartmann Home Team can also connect you with trusted local lenders who work quickly and do an amazing job even during peak seasons.

5. Be Ready to Respond Quickly

Even during the holidays, lenders may request updated documents or need a fast signature. Staying on top of your email or lender portal helps keep things moving so your pre-approval doesn’t stall.

6. Remember: Pre-Approval Gives You an Edge

With many buyers distracted by the season, a strong pre-approval positions you to jump on homes the moment they hit the market. That means:

• Less competition

• More negotiating power

• A smoother offer process

• Confidence when touring homes

Final Thoughts

Getting pre-approved during the holiday rush doesn’t have to be stressful—it can actually put you a step ahead of everyone waiting for the new year. With preparation, steady finances, and the right lender, you can start the new year already on the right path toward homeownership.

If you’re ready to begin, The Krista Hartmann Home Team is here to guide you every step of the way—holiday hustle and all.