Pre-Qualification is Important
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A pre-qualification letter has many advantages. The first is that you'll know you'll be able to afford the purchase offer you make. Second, being pre-qualified makes your offer much more attractive to a seller. It can put you at the front of prospective offers a seller will consider.
You need a Pre-Qualification Letter before you home shop! You are not actually applying at this point and not proceeding further until you're ready to begin an active documented application, once you have an accepted offer on the home you want to buy.
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