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School Reports in Kansas City, MO, Overland Park and Leawood, Kansas

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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	Where and when was the first motel introduced on the American commercial real estate scene?
A	The first motel, appropriately named the "Motel Inn", opened in San Luis Obispo in 1925.
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Tom Scanlon and Associates, REALTOR®, real estate agent and broker for Kansas City, MO, Overland Park and Leawood, Kansas home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom Scanlon and Associates
Keller Williams Realty Partners, Inc.
11005 Metcalf Ave
Overland Park, KS 66210
DIRECT: 913-383-3445
Fax: 913-383-3449
Toll Free: 1-800-762-2836
tomscanlon@NUMBER1EXPERT.com
Tom's primary concentration is in the area of maintenance free properties such as condos, townhomes and lofts in the Kansas City and Johnson County area. However, his company actively markets and locates single family homes.

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