There’s a difference between window shopping and walking in with your wallet open—and the housing market knows the difference.
I see it too often: excited buyers flash a prequalification letter and think they’re ready to make moves. But here’s the truth—prequalified isn’t powerful enough.
Prequalification simply means a lender has glanced at your financial picture. It’s a conversation, not a commitment. In contrast, a pre-approval means your income, credit, and assets have already been verified. You’re not just ready—you’re approved and equipped.
In this shifting market, offers with full pre-approvals are the ones that get taken seriously. When sellers are weighing multiple offers, a fully underwritten buyer is gold. Your financing is solid, your process is faster, and your offer stands tall even if it’s not the highest one.
Imagine two buyers:
One is prequalified.
The other is pre-approved, with all docs reviewed, ready to close faster and cleaner.
Who do you think wins?
If you’re thinking about buying—your first home, your next home, or your dream home—don’t just hope you’re ready. Be sure. I partner with Frank Zorc, a local mortgage expert, and together we help you turn your intention into impact. Click on the "Be Sure" highlighted in blue above and get started now.