Listing Details: Bentonville, Fayetteville and Bella Vista, Arkansas Real Estate Listings & Homes For Sale Provided by Team Wakefield

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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	Where was the famous final airport scene in the 1942 classic "Casablanca" filmed?
A	The scene where Humphrey Bogart says goodbye to Ingrid Bergman was actually shot on the east side of the Van Nuys Airport.
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Team Wakefield, REALTOR�, real estate agent and broker for Bentonville, Fayetteville and Bella Vista, Arkansas home listings, property and land for sale - NUMBER1EXPERT

Team Wakefield
RE/MAX Real Estate Results
3103 Moberly Lane
Bentonville, AR 72712
479.621.3927
michaelwakefield@NUMBER1EXPERT.com

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