My family and I are about to apply for a pre-qualification letter with our credit union, but we honestly have not seen any houses in the city we live in that we like.

Are we constrained, once we get a pre-qualification letter with our credit union to have to only shop in the city we currently live in? Could we take that pre-qual anywhere in the state we choose?


Ask the credit union where they can approve mortgages. Mine in the DC area can approve a loan anywhere in DC, MD and VA. They don't have the ability to make a loan to properties outside of those states.

I would be surprised if it was only in a city, or a handful of counties, but they will know the answer to this question.

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.