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Why Is a Mortgage Pre-Approval Letter More Credible Than a Mortgage Pre-Qualification Letter?
Chris at Hauseit (https://www.hauseit.com) reveals why a Pre-Approval letter is more credible than a Pre-Qualification letter. Save money when buying, selling and renting real estate in New York and Florida with Hauseit (https://www.hauseit.com). Available in NYC, Long Island, the Hudson Valley and South Florida. Established 2014. How it works: https://www.hauseit.com/how-it-works/
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Listing agents and seller’s agents who you wish to schedule appointments with will certainly want to see a mortgage pre-approval letter because it is more credible than a mortgage pre-qualification letter. The latter requires no verification and can simply be procured from a 10 or 15 minute phone call with your mortgage banker. They'll issue you a pre-qualification letter purely based on what you tell them about your financial circumstances.
On the other hand, a mortgage pre-approval letter is much more serious. Getting a mortgage pre-approval letter means you've already been partially underwritten by the bank. The mortgage banker has received financial documents from you such as W-2s and account statements and has partially vetted what you've provided to them and has partially underwritten your file. This is much more credible, and this is something that sellers and listing agents love to see from buyers especially if you're submitting an offer.
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Save money when buying, selling and renting real estate in New York and Florida with Hauseit (https://www.hauseit.com). Available in NYC, Long Island, the Hudson Valley and South Florida. Established 2014. Learn how it works: https://www.hauseit.com/how-it-works/
Hauseit Group LLC, Licensed Real Estate Broker
Tel: +1 (888) 494-8258
Email: team@hauseit.com
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