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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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Q	What is the world's most expensive Monopoly set?
A	San Francisco jeweler Sidney Mobell created an exclusive $2 million Monopoly set, with solid 23 carat gold houses, chimneys made of rubies and sapphires and dice with 42 full cut diamonds for spots.
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Bobbi's Omaha Houses Team, REALTOR®, real estate agent and broker for Omaha, Bellevue and Papillion, Nebraska home listings, property and land for sale - NUMBER1EXPERT

Bobbi's Omaha Houses Team
Prudential Ambassador Real Estate
13340 California Street
Omaha, Nebraska 68154
Direct: 402-496-7499
Office: 402-493-4663
Toll Free: 800-376-3799
Fax: 402-498-2672
Bobbi@OmahaHouses.com
If you are considering relocating, buying or selling real estate in the Omaha metropolitan area and the surrounding suburban areas of: Bellevue, Blair, Elkhorn, Ft. Calhoun, Gretna, and Papillion, you've come to the right place -- Bobbi and her Real Estate Team.

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