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.
What this actually means.
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.
Where this can move.
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.
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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. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.