Yes, and you don't have to decide first. What matters is getting pre-approved with a mortgage team licensed to lend in both states. Most lenders can only work in one state. Our team can help in both, so once you're pre-approved with us it doesn't matter which state you ultimately buy in. The main thing that changes between the two is closing costs, and we'd walk through those for each state so you can compare a purchase in either place on equal footing. The bigger hurdle is usually employment. If your income comes from a job in your current state, a lender will want to see that the income continues wherever you land. That means either a letter from your employer confirming you can keep performing your duties remotely from the new state, or an offer letter showing employment already lined up there. Sort the income question out early, because it drives everything else. The free Roadmap conversation (about 20 minutes) is a good place to pressure-test both scenarios and see the closing-cost picture for each state before you start touring homes.