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A pre-approval is an initial review of the loan amount for which you expect to be approved. A pre-approval involves a review of your credit history, income, assets and debt. A pre-approval does not obligate you to get a mortgage with us or any other lending institution. If possible, get pre-approved prior to working with a real estate agent. It will help the agent determine what you can afford.
Shows sellers and realtors you are a more serious buyer
You are more attractive to a seller
Allows you to act quickly when you find the perfect home
Can help you negotiate purchase price
Can be a deciding factor for sellers with multiple bids
Advances the mortgage process