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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 tropical haven is back in vogue, attracting celebrities like Cher, Madonna, and Sylvester Stallone, who have homes here?
A	Made up of 17 islands in Biscayne Bay, Miami Beach is the "American Riviera" and famous for its tropical beauty.
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Team Pointe South, REALTORŽ, real estate agent and broker for Perdido Key, Pensacola and Orange Beach, Alabama, Florida home listings, property and land for sale - NUMBER1EXPERT

Team Pointe South
Pointe South Real Estate
13587 Perdido Key Dr
Perdido Key, FL 32507
Office: 850-492-1826
Fax: 850-492-0058
Sales@PointeSouthRE.com
Pointe South is the #1 Locally Owned and Operated Real Estate Company in Perdido Key and Southwest Pensacola. Our exceptional service and knowledge of properties for sale in Perdido Key, Pensacola, Orange Beach, Gulf Shores, Gulf Breeze, Pensacola Beach and the surrounding areas is the key to our success. Please contact us today to either BUY, SELL or RENT properties!

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