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Financing Your Home >Qualifying For A Loan

It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.

Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.

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Q	What little-known folk remedy is said to help keep bats away from your home?
A	According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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Robert Freedman, REALTOR®, real estate agent and broker for Manhattan Beach and Hermosa Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Robert Freedman
RE/MAX Beach Cities Realty
400 S. Sepulveda Blvd. Suite 100
Manhattan Beach, CA. 90266
310-937-5722
310-291-7779
310-376-2225 X122
Fax: 310-376-6522
Email: robfreedman@carealestatelink.com
After thirty years selling real estate full time in the South Bay, Robert Freedman's reputation generally precedes him. He is known as a fair but aggressive protagonist for his client's objectives. Robert's background of architecture at Cornell University has served his clients well. He brings lots of creativity to the table, especially in visualizing remodeling possibilities and analyzing building projects. His negotiating skills are second to none. Contact him via e-mail today! Robert, or a successful member of the dynamic team at the Office of Robert Freedman will get back to you immediately.

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