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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 is the highest altitude hotel in the world?
A	The Hotel Everest View sits at the record altitude of 13,000 ft (3,964 m) above sea level, in the rarified atmosphere of Namche, Nepal, the village closest to the Mount Everest base camp.
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Victoria Luhring
The Danberry Company
3555 Briarfield
Maumee, OH. 43537
419 460-5587
Fax: 419 794 6979
Email: victorialuhring@NUMBER1EXPERT.com

Personal Phone

Main: 419 794 6979

Mobile: 419 460-5587

Fax: 419 794 6979

Service Area Information

Office Area(s): Toledo, Maumee, Perrysburg, Oregon

Additional Service Areas: Sylvania, Holland, Waterville, Whitehouse, Ottawa Hills, Rossford, Bowling Green, Swanton, Lyons, Delta, Northwood, Grand Rapids, Monclova

Professional & Personal Distinctions

Designations: Certified Luxury Home Marketing Specialist, (CLHMS) Relocation Specialist, New Home Construction Specialist, (CSP) Accredited Buyer Representative (ABR), Certified Buyer Representative, Certified Residential Specialist (CRS), Graduate Realtor Institute (GRI), Accredited Staging Professional (ASP) Senior Real estate Specialist (SRES). e-PRO Internet Professional.

Awards/Clubs: Lifetime Achievement
Life Time Member of the Million Dollar Club
Award of Distinction and Excellence in Performance
National Award of Excellence - Internet Marketing

Hobbies: Skiing, Working Out- Fitness, Travel, My Kids Sports and Cleaning - Yes I love to clean and organize

Civic Activities And Charities: Toledo Childrens Hospital, United Way, Cedar Creek Church, Cherry Street Mission

www.Toledohomeforsale.com is brought to you by Victoria Luhring
NUMBER1EXPERT™ in real estate for Sylvania, Perrysburg, Toledo and Maumee, Ohio, riverfront properties, condos, villas, Maumee

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Bowling Green State University
http://www.bgsu.edu

Owens Community College
https://www.owens.edu/

University of Toledo
http://www.utoledo.edu/

Anthony Wayne Schools
http://www.a-wayne.k12.oh.us/

Maumee Schools
http://www.maumee.k12.oh.us/

Springfield Schools
http://springfield-lucas.us/1/

Sylvania Schools
http://www.sylvania.k12.oh.us/

Perrysburg Schools
http://www.perrysburg.k12.oh.us/

ASP Certification
http://www.stagedhomes.com/index.php

GRI Certification
http://www.edesignations.com/

CRS Certification
http://www.crs.com/

ABR Certification
http://www.rebac.net/Content.aspx?PageName=whyuseABR.htm

Different Types of Loans
http://www.toledohomes4u.com/content/article.html/1520396

E-PRO Certification
http://www.toledohomes4u.com/content/article.html/1517827

Free Pre-Approve Online
http://www.americanhm.com/unavailable.htm

Lucas County Real Estate
http://www.co.lucas.oh.us/real_estate/AREISmain/areismain.asp

Recent Home Sales
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Wood County Auditors
http://auditor.co.wood.oh.us/start.asp

Ohio School Report Cards
https://webapp2.ode.state.oh.us/reportcard/archives/

Pre-Approve Online
http://nationalcity.com/mtg/tgrambo

Toledo
http://www.ci.toledo.oh.us/

Maumee
http://www.maumee.org/

Find Out What a Home Sold For!
http://www.domania.com/index.jsp

Sylvania
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Perrysburg Friends
http://www.friendsofperrysburg.org/calendar_of_events.htm

Free Moving Quote
http://www.toledohomes4u.com/content/moving.html