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Pre-approval: This process is much more involved and is the key step in getting a mortgage. You’ll complete a mortgage application (and usually pay an application fee), and you’ll give the lender.
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A mortgage pre-approval is a written statement from a lender that signifies a home-buyers qualification for a specific home loan. Income, credit score, and debt are just some of the factors that go into the pre-approval process.
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A frequently asked question is, "How many mortgage pre-approvals should I get?" Here’s what Zillow Advice users had to say: "As I always tell my clients you only need to get pre-approved by one lender but once you find a home then it would be best to speak with two more lenders.
If it’s good to have just one pre-approval, when do you try to get more approvals from different lenders for the intention of shopping WITHOUT dinging your credit? I assume that if you got Pre-approved say today and then didnt close on a house until 4 months from now, getting a new Pre-approval for shopping would be bad.
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Have you ever received a message from a credit card issuer congratulating you on being pre-approved for a credit card? If so, don’t pat yourself on the back just yet. Being pre-approved might not.
IMO you should only apply for 1 pre-approval, however before you apply you should talk to as many loan officers as you need to in order to feel comfortable (ask questions, and questions, and then more questions, and then call back the next day and ask more questions) so you will only need to get pre-approved with 1.
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