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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 is the world's largest industrial building located?
A	The single largest industrial structure is the container freight station of Asia Terminals Ltd in Hong Kong. It is 359 feet high, with 15 levels.
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Jared Hokanson, REALTOR®, real estate agent and broker for Medford, Ashland and Central Point, Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

The Hokanson Group
Keller Williams Realty Southern Oregon
1025 Court St.
Medford, OR 97501
Direct: 541-772-SOLD (7653)
Text: 541-772-7653
Fax: 541-608-0448
Office: 541-608-0447
Jared@TopSouthernOregonAgent.com
Relax! Let Jared and his team do the work for you. The Hokanson Group is one of the top realtors in the Medford, Jackson County, Rogue Valley Area because they does business the old fashioned way, they take care of their clients and their clients refer their friends. We are continually in the pursuit of WOW for our clients.

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