January 20, 2017

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January 12, 2017

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Pre-Qualified or Pre-Approved??

February 6, 2017

Are you clear on the difference of being pre-qualified versus pre-approved? If not, read on...


If you have been pre-qualified, it means a lender has looked through your financial situation and determined, based on your income/assets/past credit history and liabilities, you would be a good fit to qualify for a loan. Yes, I said qualify. At this point, you may get a ballpark figure of how much of a mortgage you can afford.


If you have been pre-approved, the lender has taken extra steps by committing to provide you with a loan. This is where you can get your pre-approval letter or certificate by contacting your lender directly. This is the letter you submit with your offer to buy your future home. This letter tells the seller that there is more assurance the sale will go through, and not be held up due to finances.



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© 2019 by Lisa Martin     843.633.3289      LMartin@Century21Properties.com