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A mortgage pre-qualification can be useful as an estimate of how much you can afford to spend on your home, but a pre-approval is much more valuable because it means the lender has checked your.

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Can I negotiate mortgage rates and how to get the best rates Getting mortgage pre-approval makes getting a mortgage easier and puts you in a better position as a buyer. Being pre-qualified is more like a small step toward those goals. For pre-qualification, you give a lender a few details about your finances and you receive a general idea of what size mortgage you might be able to get.

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