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Make sure that you also know the difference between being pre-qualified and pre-approved for a mortgage is and your options on the matter. The type of home you will be able to purchase will also be affected by this detail.


If you are already pre-qualified then that means the lenders have already decided that you are qualified for some loans. This is based only on the point of view of the lenders.


If you are on a pre-approved status it means that your financial background including credit ratings and bank references have already been verified by the lenders. Once you have received a pre-approval letter you will be able to shop for property better.


Being pre-approved is better than being pre-qualified for a home loan. Carrying a pre-approval letter will bring you more options in terms of home choices. You can close deals faster as well.


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