Pre-Qualification for Purchase Loans

Pre-qualification is the process of determining how much money a prospective homebuyer will be eligible to borrow prior to application for a loan.

The lender will look at your income, debt, assets and credit history in evaluating your chances at receiving the loan you need. If the likelihood of approval is high, you will receive a pre-qualification letter to show to realtors. Information submitted during pre-qualification is subject to verification at application.

Pre-qualification vs. Pre-approval:

Pre-approval is the process in which you are approved for a loan before purchasing a home. This process "locks" you into the loan. Pre-qualification just lets you know the likelihood of getting approved before you even find a home

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