If you are considering buying a home, it would be a good idea to get pre-qualified or pre-approved for your loan before hitting the market. Sellers look at buyers with pre-approvals as a safer bet than those who don't have pre-approval. In fact, many sellers require that a pre-approval letter from your lender be included with your offer.
From the buyer's perspective, a pre-approval makes your offer a little stronger and can give you an advantage if you are up against other offers on the same property. It will also give you a good idea on how much you can spend on a house before you start your search.
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