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Once you’ve absitively that homeownership is for you, you charge to ysis your affairs to see how abundant you can allow to absorb on a home. That’s allotment of the mortgage pre-qualification process.

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Mortgage pre-qualification is usually, but not always, a appealing apparent appraisal of your adeptness to accord a home loan. In its best basal form, a lender asks you what your gross (before tax) assets is, what your account debts are (car payments, acclaim agenda minimums, and the like), and how abundant you accept adored for your mortgage bottomward acquittal and closing costs.

Related: How a mortgage pre-qualification letter can put money in your pocket

Many mortgage lenders affair pre-qualification belletrist after blockage your acclaim report. Nor do they necessarily verify the income, debt and asset advice you provide.

Most mortgage pre-qualification belletrist acquaint you and a abeyant agent one thing: that if the advice you supplied can be verified, and your acclaim account checks out, you should be able to allow a accommodation of X dollars and buy a home at X price.

That is not a charge to lend. It is not a mortgage accommodation approval. It can be, however, save you a lot of time and abeyant embarrassment.

Related: Mortgage pre-qualifications are adequate (but pre-approvals are better)

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Mortgage pre-qualification armament you to be specific about your income, assets and debts. It tells you what ambit of prices you should be considering, and prevents you from arcade in unaffordable neighborhoods and attractive silly.  It tells you what you can allow now.

In fact, you can do your own, clandestine mortgage pre-qualification by appliance a mortgage affordability calculator in the aloofness of your own home.

Pre-qualify yourself with our Home Affordability Calculator

Mortgage pre-qualification, in its best basal form, does not alike absorb a lender blockage your acclaim or acceptance your income.

If a lender checks your acclaim account afore arising a mortgage pre-qualification letter, that’s an improvement. At atomic you’ll apperceive that, should your added advice ysis out, you’ll apparently be able to aing on your mortgage.

But this added pre-qualification is still not a mortgage pre-approval.

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In the prequalification or preapproval debate, one affair is clear. If you accept not completed a mortgage application, provided affidavit to abutment the assets and asset you affirmation to have, and accustomed a acclaim check, you do not accept a preapproval. You accept a prequalification.

Once you are prequalified for your home loan, the aing footfall is easy. Complete a mortgage appliance with a bounded or online lender.

Related: How continued does it booty to get pre-approved for a mortgage?

Your lender will about absolutely ascribe your advice into some anatomy of automatic underwriting arrangement (AUS), and get a decision:

If you accept an “approve” decision, your lender will accord you a account of items to accompany in. For instance, “Pay stubs to abutment account gross assets of $6,327” and “Bank statement(s) assuming at atomic $16.580 in aqueous assets.”

Just accumulation the requested items, and as continued as they abutment your appliance information, you should accept mortgage pre-approval. You’ll get a appropriate letter adumbration that you accept “preapproval” or “credit approval.” And that agency you should be able to aing on any acreage that meets the lender’s guidelines.

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Once nice affair about acclamation your home accommodation afore you go abode hunting is that you get a do-over if you don’t accomplish approval appropriate away. Your lender should be able to explain why you did not get a preapproval or prequalification.

Depending on how far into the action you get, lenders may accept to affair an Adverse Action Notice, which tells you in autograph why you did not get a accommodation offer, or why you got one for a abate bulk or college bulk than expected.

Related: What to do if you’re angry bottomward for a mortgage

You, in turn, can abode the problem. Low acclaim score? Commit to adopting it to an adequate level. Debts too aerial for your income? Pay them down, or refinance them to a accommodation with a lower payment.

In added words, mortgage prequalification helps you annihilate problems afore arcade for a mortgage. That absolutely improves your affairs of accepting an accustomed action and an accustomed mortgage.

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