What is the point of pre qualifying if I don't want a house for the max I could get?I am in a little bit of a bind here. I budgeted with my wife what we could afford. We are looking in Sacramento for a house in the low $200,000's. We want the lowest payment possible. We are dealing with my wife's brother's friend who newly because a real estate guy so he wants business. I gave him our numbers and he says based on what we gave him, we could buy a house for $320,000. We want to start payments in January 09 so he says we need to close in November. So here are my questions.1) If I don't want the most house we can get based on my income and debt numbers, why do I need to get pre qualified?2) Does getting pre qualified lower FICO? My score is the lowest and I have a 713 FICO. I see that to get the best rate, I need a 720 at least.3) Any other comments or advice? To me since I want to raise my FICO and I want a cheap mortgage, it makes more sense to find a house and then pre qualify.July 24 2008 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.