Home Buyer Series with Derek Raposo of One Leg Up Realty & Tim Griffin of Prosperity Home Mortgage Skip to Videos What is the First Step in Getting Pre-Approved for a Mortgage? How Much Do I Need for a Down Payment? What Credit Score Do I Need to Buy a Home? What’s the Difference Between Pre-Approved and Pre-Qualified? What should I avoid doing after getting pre-approved for a mortgage? What Are Closing Costs, and How Much Should I Budget? What Does the Home Appraisal Process Look Like? What Is an Escrow Account, and How Does It Work? What Should I Know About Interest Rates and Locking in a Rate? Does Getting Pre-Approved Hurt My Credit Score?