Get Pre-Approved For A Loan The first step into buying a home is obtaining a Pre-Approval Letter from a Mortgage Lender. The Pre-Approval letter in most cases will be sufficient for making an offer. The second step is for the buyer to have a realistic price that is targeted. If you do not currently have a Loan Officer, we can put you in contact with one of our highly referred lenders. Preferred Lender Once you have a pre-approval letter you’ll be prepared to move forward with an offer when you find the property that you want.