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When you are ready to make an offer on a home you must have your loan ready and offer up a "pre-approval" letter stating from a competent lender your credit has been review along with your income statements, tax records and other pertinent data and the lender is "pre-approving" you for the loan. The next steps are finding the property, producing escrow instructions, satisfactory preliminary title report and appraisal. A smart lender and watchful agent will suggest the letter state your credit score if it is favorable.Pre-qualification is a simplified approach to getting your loan ready. You aren't really ready--you are just thinking about it. Start today to get your loan really ready--you never now what that just right home will appear. Be wary of a lender who wants to approve you over the phone. Those days are gone! Thankfully.
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