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Tallahassee and Monticello real estate listings, home buying, selling and homes for sale in Florida - NUMBER1EXPERT(tm)
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Real Estate Tips
Financing Your Home >Qualifying For A Loan

It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.

Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.

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Real Estate Trivia
Q 
What famous Art Deco skyscraper is decorated with eagle hood ornaments, hubcaps and abstract images of cars?

A 
New York's Chrysler Building, designed by architect William Van Alen in 1930, was one of the first buildings composed of stainless steel over a large surface area.
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Doris DeMauro Bishop, REALTORŪ, real estate agent and broker for Tallahassee and Monticello, Florida home listings, property and land for sale

Doris DeMauro Bishop
Steve C. Walker Realty, LLC

250 S. Jefferson St.
Monticello, FL 32344
850-591-0085
Fax: 850-997-8605
dorisdemaurobishop@BestImageAgent.com


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