How long does an FHA pre-approval last?
Most FHA pre-approvals are valid for 90 days. Credit reports expire at 120 days, and pay stubs/bank statements at 90–120 days. Past those windows, the lender re-pulls and re-verifies.
What this actually means.
If your search drags on, expect a refresh — credit re-pull, updated paystubs, refreshed bank statements. The pre-approval letter date and amount are not promises; if rates move or your file changes, the working number changes too.
Where this can move.
Florida insurance premiums, property tax millage and exemptions, HOA dues, CDD fees, county loan limits, and condo approval status can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.