So what’s the difference?

If you’d like an estimate of how much you could potentially borrow, that’s a pre-qualification. If you’re starting to actively search for a home and would like to determine exactly how much a lender will lend you, that’s a pre-approval. We do both!

To pre-qualify,

you’ll want to talk to a lender with lots of experience and who will put you at ease about the process. Oh, and someone who will tell you the truth.

It’s a competitive market.

You should get a pre-approval before starting a home search. Real estate agents often reject offers that are not accompanied by a pre-approval letter from a lender.
A pre-approval will give you time to fix any credit history “surprises” beforehand.