Life is complicated for homebuyers these days. There can be lots of competition with other homebuyers — too much, in some cities. And the selection of homes for sale in many cities is skimpy. Add in rising home prices and jumpy interest rates and you’ve got a lot of stress. If you want to buy a home, you don’t need one more headache. And yet, here it is: Banks no longer want to pre-approve customers for a home loan.