Ryan H Sarkissian's Advice

In the Los Angeles market, most listings ask for a pre-approval letter from a direct lender vs a pre-qualified one to be submitted with the offer, especially if you are offering on a home that has or may have multiple offers.Also, it is best to have a separate letter with each offer specific to the house/offer you are placing and not a general one with the max you qualify for.Good luck and enjoy the process.