What you need to know to get the green light from a lender. Chances are you’ve heard the term preapproval before, but it often only comes up when talking about mortgages. You might not have seen it attached to personal loans, but receiving preapproval for a loan is a vital part of the application process.

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A loan pre-approval is typically obtained from a direct lender, such as a bank or credit union, but it sometimes takes more than a trip down to your local financial institution for a chat with a loan.

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 · As you search for a home, there’s an important step to take to help you know what you can afford: getting pre-approved for a mortgage. You might have a.

Find a local mortgage lender for a Home Loan or Refinance.

A mortgage pre-approval shows home sellers that you have your finances in check, that you’re serious about buying a house, and that you won’t be denied a mortgage if they decide to sell you their home. Is a mortgage pre-approval the same as pre-qualification? No! Mortgage pre-approval and pre-qualification are not interchangeable.

If you’re serious about getting a mortgage, preapproval is a key step. With a mortgage preapproval, a lender will evaluate details about your income, debts and assets and check your credit.

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The other type of preapproval is the preapproved loan offers you receive in the mail for personal loans, auto loans, lines of credit and other types of loans. These mean you have a very good chance of getting approved for those specific offers, but there’s no guarantee of being approved.

Is a mortgage pre-approval letter necessary to make an offer on a house? The short answer is no. However, if you want your offer to be taken seriously and to stand out from any competing bids, this.

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