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WHY A PRE-APPROVAL IS CRUCIAL

When you’re ready to find a home, the last thing you want to do is limit your possibilities. Dream big, right?

But you’d be totally bummed if you found a perfect pad, only to learn you don’t qualify for the home of your dreams.

If you don’t earn a loan pre-approval before you start looking, you might actually prevent yourself from finding—and buying—your dream home.

HIGHER ACCEPTANCE RATE FOR BUYERS WITH PRE-APPROVAL

Once you find the perfect home, the next step can go two different ways depending on a pre-approval.

If you’re not pre-approved and you find a home you want to make an offer on, you’re taking a gamble. REALTORS® and sellers are less willing to accept offers from a buyer without a pre-approval. Odds are, they’ll go on to the next offer—and you’ll miss out.

However, if you are pre-approved, you have more room to haggle. Sellers may be more willing to lower the asking price, include appliances, cover closing costs or make other allowances to work with a pre-approved buyer.

HAVE QUESTIONS ABOUT THE BUYING PROCESSES?

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