How long does a VA pre-approval last?
Most VA pre-approvals are valid for 90 days. Credit reports expire at 120 days; pay stubs and bank statements at 90–120 days. Past those windows, the lender re-pulls credit and re-verifies.
Plain-English explanation
If your search drags on, expect a refresh: credit re-pull, updated pay stubs, 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, county property-appraiser exemptions for disabled veterans, HOA dues, CDD fees, and condo approval status can change the answer.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Florida
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.