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.
Plain-English explanation
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.
What can change the answer?
Florida insurance premiums, property tax millage and exemptions, HOA dues, CDD fees, county loan limits, and condo approval status can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Florida
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.