Plan on applying with spouse for a mortgage on a new construction home. She has great credit (760+) and I have l less than perfect (around 640). If we were to get preapproved now, even if it's at a less than ideal rate but aren't moving till September could we get a refresh and better rate closer to then? I ask because I have some old negative items that are coming off in February and July. Given that we'd like to buy a new home we need pre-approval now to get the ball rolling on construction. Thanks for any help.
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