A mortgage loan pre-qualification is simply an estimate of how much house you can afford and how much money a lender would be willing to loan you. The best time to get a pre-qualification is right at the beginning of your home buying process, before you even start looking at houses. There is no cost involved and there is no commitment on either side. This estimate simply helps you figure out if buying a home is a viable option, and if so, what your price range would probably be.
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