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Howard Waxman, REALTOR, GRI
Howard Waxman, REALTOR, GRI
Pre-qualification is an important first step in buying a home. You will feel much more confident as you view properties knowing that you can afford them. Sounds simple doesn't it? So why don't more agents do it? Not only are you more confident but so is the agent assisting you. Pre-qualification is important because no one can afford to waste time showing and viewing properties which are out of reach. Also, nothing is more disappointing than falling in love with a house only to discover that you can not afford it. More importantly, when you are ready to negotiate the terms of a home purchase, a pre-qualification letter will show a seller that you have done your homework and that you are a serious, ready, willing, and able purchaser. It is a powerful tool for both the buyer and a seller. Pre-qualifications should not require any up front fees.
Conversely, a pre-approval is actual loan approval at specific terms. This is basically shopping with cash(the lender's cash). You have been formally scrutinized and approved for a loan pending certain final details specific to the property you have contracted to purchase. Pre-approval is great but costs money up front. Money that does not need to be spent until you have found your dream home. Please call me so I can pre-qualify you for your home purchase. I look forward to meeting you.
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