Is it to early to get pre approved?My wife and I make a good income (of about 100k) with stable jobs (we have both been at our current places 5 years or more). We have 2 small kids (2 years old and 9 months). We have no credit card debt. We have about $450 in student loan payments and a $300 car payment. My credit score is about 720 and my wife is about 820. Our goal for the last several years was to become debt free before we purchased. We were aggressively paying on our debt and got rid of 20k in credit cards (and have remained credit card debt free for at least 2 years now), paid off about 40k in student loans (have about 22k left). However about about 6 months ago the pest problem in our apartment building got really, really bad. Also, we live in a high crime area (3 murders in the last 8 months within a few blocks of where we live) which used to be fine when it was just my wife and I but with little kids we are starting to feel a little uncomfortable. We were going to rent elsewhere but were not happy with what was available on the rental market (anything nice is insanely expensive) We decided to hang tight and start saving as much as we can and try to get a house with something that has low upfront cost.We have no idea when we're ready to even start talking to mortgage people. The type of home we would like to buy would cost around 200k. 8k is enough for an FHA downpayment but obviously not enough for closing cost. I know there are some ways around that (seller-paid, lender credit, state program for financing of closing cost, etc.). Also at our saving rate of 1k a month, we might have the closing cost by the time we have found a property we like.Should we start talking to banks/mortgage brokers now or should we hold off a bit more? And if you think we should wait, what amount is the right amount to start the mortgage/realtor/house-hunting process?February 13 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.