Whether you're planning on buying your first house or your fifth, agents will take you more seriously if you have either a pre-approval letter or a pre-qualification letter. This is especially important in a hot housing market where people are bidding up the home prices above the asking prices. While it's fine and dandy to be the highest bidder on a particular house, but if you don't have a lender behind you the homeowners are more likely to take the next guy in line that does have one. If you have one of the two letters sellers know you can actually do what you say you will do. So which is better to have, a pre-qualification letter or a pre-approval letter?
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