Should I Get Pre-Approved Now or Wait Until After the Holiday Rush? Insights from Kitsap Realtor Expert Bre Enbom

If you’re thinking about buying a home on the Kitsap Peninsula, one of the most common questions is: Should I get pre-approved now, or wait until after the holidays? According to Kitsap Peninsula real estate expert Bre Enbom, the answer depends on your goals—but in many cases, getting pre-approved now can give you a major advantage.

Pre-approval is more than just a formality. It’s a lender-reviewed snapshot of your finances that shows sellers you’re serious, qualified, and ready to move forward. In competitive markets like Bremerton, Port Orchard, Poulsbo, Silverdale, Bainbridge Island, and Gig Harbor, that credibility matters year-round.

Why Getting Pre-Approved Before the Holidays Can Be Smart

The late fall and winter months typically bring fewer buyers into the market. While inventory may be slightly lower, sellers during this time are often more motivated—especially those relocating, downsizing, or needing to close before year-end. A pre-approval allows you to act quickly if the right home appears.

Pre-approval also helps you:

• Lock in a realistic price range

• Identify credit or documentation issues early

• Compare loan programs and down payment options

• Strengthen your negotiating power with sellers

From a financial perspective, getting pre-approved doesn’t mean you’re locked into buying immediately. Instead, it gives you clarity and flexibility—two things that are especially valuable during a slower seasonal market.

When Waiting Might Make Sense

If you’re still building savings, improving your credit score, or unsure about timing, waiting may be reasonable. However, Bre Enbom often advises buyers to start the pre-approval conversation sooner than they think. Even if you plan to buy in spring, beginning now allows you to prepare strategically rather than rush later when competition increases.

The Kitsap Advantage

Local market conditions matter. What works nationally doesn’t always apply to Kitsap County. Working with a local Realtor who understands neighborhood pricing, ferry-commuter demand, and seasonal trends can make all the difference.

If you’re considering buying a home in the coming months, connect with Bre Enbom, Kitsap Peninsula Realtor, to determine whether getting pre-approved now puts you in the strongest position.