Posted by IB (NJ) on January 11, 2003 at 18:10:15:
Get pre-approved first. Let them know that you are making offers on some property (even though you aren’t) and just want to line your financing up in advance. Don’t let them run your credit without knowing the terms of the loan (int. rate, how many years before the balloon, LTV, etc.) first.
Once you find the terms doable, then let them run your credit. Look online for a 1003 form (also called a 'universal loan application) and fill that out in advance. Every lender, regardless of the type, will want you to submit one.
Good luck.