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For a home purchase, what is better--a pre-approval letter, or a pre-qualification? Also, how do I obtain the preferred one?
Thank you.
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Dear Sir/Madam:
It's usually better, in my opinion, to provide a customer with a pre-qualification letter that sets forth a price range within which a real estate salesperson should show properties. That establishes the parameters for your house hunting -- not only the purchase price, but the annual property taxes, as well. Once you have found a specific property you wish to purchase, we can certainly prepare a pre-approval letter.
All that's involved in this process is obtaining a credit report (which I can do) and a factual representation from you regarding your employment, income, assets, and source of funds for closing costs.
Worthington Mortgage Services, Inc. has just celebrated its 10th anniversary as a broker in NY and CT. We are proud of our 10 years of excellence, and would welcome the opportunity to assist you in financing your new residence.
Sincerely yours,
Anne K. Panoff, President
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A pre-qualification is a simple rate quote, based on some assumptions about your deal and your qualifications. However, a Realtor will not present your pre-qualification together with your offer to a prospective seller. For your offer to go through, you will need a pre-appoval. The pre-approval is based on your purchase price, the amount of your downpayment, assets in reserve, your credit score (FICO) and your earnings history. As a direct lender, I would be happy to provide you with a pre-approval and guide you through the entire purchase process to the end. You can reach me at 917-751-6342. Steve B.
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