A pre-qualification is issued by a loan officer. After interviewing you, he or she determines the dollar value of a loan for which you can be approved. However, loan officers do not make the final approval, so a pre-qualification is not a commitment to lend.
After the loan officer determines that you pre-qualify, he/she then issues you a pre-qualification letter. This pre-qualification letter is used when you are making an offer on a property or just to know that you are pre-qualified. The pre-qualification letter indicates to the seller that you are qualified to purchase the house you are making an offer on, witch in turn puts you in a position to negotiate favorable terms for yourself.
Pre-approval is a step beyond pre-qualification. Pre-approval involves verifying your credit, down payment, employment history, etc. Your loan application is submitted to an underwriter and a decision is made regarding your loan application. If your loan is pre-approved, you are then issued a pre- ... more.
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