<prompt> Human: My wife and I are in the beginning stages of looking to purchase our first home. Our credit history is pretty clean and our scores above 800. We have a monthly car payment, school loans, and no outstanding credit card debt. Right now were focusing on building our savings to get to 20 and looking to purchase a home no more than 300K Chicagoland area. I figure were about 2 years from meeting that savings goal.Weve been in light discussion with a mortgage consultant who a friend referred us to about our personal finances and what our house preferences were through phone and e-mail, and were meeting in person for the first time to continue the discussion and become better educated on the home buying process. One suggestion that the consultant had was to to provide some basic financial information to get pre-qualified now. Knowing that were about two years away from buying, would getting pre-qualified now be premature? Would there be any harm in getting our credit pulled?  <response>: Most pre-approval letters are only good for 90 days. Theres no sense in going through the actual pre-approval process now. 