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Pronunciation: "fi-n&n-'sir; f&-"nan-, "fI- Function: noun 1 : one who specializes in raising and expending public moneys; 2 : one who deals with finance and investment on a large scale.

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Pre-Qualification VS. Pre-Approval

Identify your property price range, and strengthen your bargaining power by understanding the difference between these two buyer tools.

"How do I know what price range to look in," and "how do I make sure my offer is accepted?" These are two of the most commonly asked questions from first-time and experienced homebuyers alike. One of the best places to start is by getting pre-approved by a lender upfront in the process. Not only does it give you peace of mind knowing your price range is already pre-approved by the lender, but strengthens your position at the negotiating table, especially in a multiple offer situation.

Some lenders offer pre-qualifications and pre-approvals. Here’s the difference:

PRE-QUALIFICATION
PRE-APPROVAL

Provides a "ballpark" estimate of your buying power and Is based on summary information you provide on your income and assets

Requires satisfactory review of property,financial documents and program requirements to issue final approval;

Provides proof to real estate agents and sellers that you’re pre-approved for a specific loan amount;

Is based on verification of your income, credit and assets.

Requires a satisfactory appraisal and title review and no change in financial condition for final approval.

Is offered by most lenders.

Is offered by Georgia Mortgage Money as a service to you before you find a home at no cost

To get pre-approved, or for more information, call (770) 333-4404.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

* Programs, Rates & Terms subject to change without notice; the market is extremely volatile right now.
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