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The Pre-Qualification process 1. Why pre-qualification Matters 🏠 What is it? • A snapshot of your financial health to determine how much house you can afford. Why it’s important: t•tKnow your buying power 💵. t•tSpeed up the home-buying process ⏩. t•tMake stronger offers to sellers 💪. 2. Key Factors Lenders Consider 🔑 t•tCredit Score 📊: Impacts loan approval and interest rates. t•tDebt-to-Income Ratio (DTI) ⚖️: Ensures affordability. t•tSavings 💰: Funds for down payment and closing costs. t
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Getting pre-approved is one of the most important first steps in the home-buying process. A pre-approval means a lender has reviewed your financial information, like your income, credit score, debt, employment history, and bank statements, to determine how much you’re qualified to borrow. It’s more in-depth than a pre-qualification and typically requires documentation. The result is a pre-approval letter, which shows sellers you’re a serious and qualified buyer. In competitive markets, this can
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