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Buyers > Pre-Qualified Buyers or Pre-Approved Buyers?
Pre-Qualified Buyers or Pre-Approved Buyers, a Big Difference
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A few years ago, if you were pre-qualified for a mortgage, that was considered enough for home shopping. No longer. Now, sellers prefer seeing pre-approved buyers.
What’s the difference? You can be pre-qualified simply with a phone call to a mortgage lender. The loan officer will ask your income, your debts, quickly run some numbers, and tell you the amount that you can afford, based on your replies.
Pre-approval on the other hand is where the mortgage lender has looked at your latest credit report, verified your income and debts and based on facts has approved your loan and issued a letter saying that you have been pre-approved for a certain amount.
I have had clients who were in bidding wars on home and even though one offer was lower, the seller accepted that offer simply because the buyer was fully pre-approved for a mortgage.
If you’re buying a house get serious and have your mortgage lender go through the entire process of approval. This sure puts you in a better bargaining position when buying.
Remember, if you would like to be pre-approved for a mortgage
Contact
Us, they knows
lenders that can meet your needs. This consultation/pre-approval is Free and
there is absolutely no obligation.
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Randolph New Jersey
Homes for Sale and Real Estate Quick Links
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Smitha and Rahul Ramchandani
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Randolph and Morris County NJ Real Estate Expert
Broker-Salesperson/Sales
Representative |
Keller Williams Towne Square Realty
55 Madison Ave - 4th Floor | Morristown, NJ 07960
Smitha Mobile:
973-953-7777
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Rahul Mobile:
973-615-6504
Office: 973-775-9646
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Copyright Notice, Terms of Use and Legal Disclaimer:
RandolphMoves.com is a registered service mark. The
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Each office is independently owner and operated.
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