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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	What does the abbreviation PITI stand for?
A	Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
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Elayne Jassey, REALTORŽ, real estate agent and broker for Stamford, North Stamford, and Greenwich Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Elayne Jassey
Prudential Connecticut Realty
1200 High Ridge Road
Stamford, CT. 06905
Toll Free: 800-362-7625
Office: 203-329-0136
Fax: 203-329-7880
Email: ElayneJassey@NUMBER1EXPERT.com
Elayne Jassey knows that numbers do count and being #1 counts the most! She has been the #1 sales executive w/Prudential CT Realtys Stamford office for the past 22 consecutive years; she has been #1 in Connecticut for 19 out of the last 22 years, and in 2007 she was #1 in Stamford sales per the CMLS for the 6th consecutive year. She has been named by The Wall Street Journal to their Top 200 in Real Estate, and Realtor Magazine named her to their list of Top 50 Solo Performers in the U.S. In this age of real estate specialization and teams, Elayne is most proud of her continuing work as a solo performer, one of those who still provides her service, individually, to each and every customer. Elayne looks forward to working with you personally, and helping you and your family market your home or find the perfect home or investment property. According to Elayne Meeting YOUR real estate needs is truly #1 to me!

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