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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 |
Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
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| A |
The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year. |
 See More Real Estate Trivia > |
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Diana Gould
Coldwell Banker Residential Brokerage
893 Post Road
Darien, CT. 06820
Cell : 203-249-6656
Office: 203-655-3961
Fax: 203-655-5192
Email: dianagould@NUMBER1EXPERT.com
As a long time resident of Stamford, I am thrilled to have the
opportunity to help you with the successful sale or purchase of your property. I hope
that my knowledge of the community and strong attention to detail will earn
your trust.   
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