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What makes pre-approval and pre-qualification different?
The pre-approval process is more complete than pre-qualification. For a pre-qualification, a loan officer or broker asks you a series of questions and based on those answers and a review of your credit report, you receive a pre-qual letter. A pre-approval involves all the necessary steps for a loan to be approved, except for the title search and appraisal. A thorough review of your documentation during the process puts you in a better position to negotiate with a seller, because you are closer to a full loan approval
We work with and for our clients to provide them the best mortgage options to help them achieve and maintain home ownership.
814 Morena Blvd #310
San Diego, CA 92110
Phone: (619) 692-3630
NMLS ID # 908271
Community Mortgage, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines