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A pre-approval is one of the first steps in determining how much you can afford for your new home purchase. Think of it as your golden ticket or the go-ahead to start making offers on homes.
Many new homebuyers walk into the process without a lot of information on mortgage rates, total costs, or their down payment options. A pre-approval can give you a better understanding of what type of loan you’ll qualify for, your purchase price range, interest rate, and more importantly your estimated payment.
By getting pre-approved upfront, you'll feel prepared, and it will also let sellers and real estate agents know you're serious about buying.
There are different types of pre-approvals or pre-qualification offers. You'll want to determine which one is best for you (learn more about the differences between the two below).
To start the pre-approval process, you can submit an application online or reach out to a Home Loan Consultant.