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The 3S Approach

-The Setup

Types of Agents
How to Select an Agent
Prequalified or Pre-Approved
7 Reasons to buy a home
Moving with Teenagers

-The Selection

How to Find a Home
50 "Things To Watch"
when viewing a home
9 Types of Loans You Should Know

-The Sale

What is a Sales Contract
Finding Quality Inspectors
10 Ways to Ascertain a Down Payment
How Lenders Approve Loan Applicants
Definitions of Closing Costs

Buyers' Resource Section:

The Difference Between Pre-Qualified and Pre-Approved.

Current money lending markets are extremely competitive. Mortgage lenders must have an informal “measuring stick” in order to offer their clients a product. In order to establish your bargaining power with lenders you need to get Pre-Qualified for a loan. Thus the Pre-qualification is the informal measuring stick, and Pre-Approval is the final word that ensures you want to work with this lender. When the lender checks and approves your credentials, credit, and mortgage load this is termed a Pre-Approval.

Pre Qualification- Pre-Qualification for a loan entails sitting down with a representative and discussing what you can afford given your down payment, debts, and future mortgage considerations. This meeting in no way allows the lender to check up on your credit, job history, etc.

Pre Approval- Pre-Approval is granted by your lender only upon approval and verification of your credentials, your income, debt load, credit report, and more. Some Lenders find the information from your previous tax returns sufficient. Other requests range from proof of employment, to the need for a co-signer. The sheer number of options involved in borrowing the money for your new home do not allow for all facets to be covered here. Talk to your Agent for more detailed options for you.
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Karen Nichols - Realtor
REMAX Alliance Real Estate
Evergreen Colorado REALTOR
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  The information contained on this REMAX Evergreen Colorado real estate website is deemed reliable, but not guaranteed and does not constitute an offer to sell. Prices, availability and other Evergreen Colorado real estate information is subject to change without warning.