Harvard, Bolton, and Boxborough Massachusetts real estate listings, home buying, selling and relocation information

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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 are three of the best indicators of real estate market trends?
A	Existing home sales, new home building and mortgage interest rates.
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Maureen Harmonay, REALTOR®, real estate agent and broker for Harvard, Bolton, and Boxborough Massachusetts home listings, property and land for sale - NUMBER1EXPERT(tm)

Maureen Harmonay
RE/MAX Traditions
1084 Main Street
Bolton, MA 01740
Toll Free: 866-666-8880
Cell:: 978-502-5800
Office: 978-456-3494
Voice Mail: 978-841-7664
Fax: 978-389-0073
Email: massachusettscountryhomes@NUMBER1EXPERT.com
I am passionate about preserving open spaces for pasture, habitat, or quiet enjoyment, and I bring that same level of commitment and energy to my work on behalf of buyers and sellers of country properties in the Central Massachusetts corridor, from Harvard to Princeton. I love what I do, I work hard at it, and it shows: my sales achievements perennially rank me among the top agents nationwide. I treat my buyer and seller clients the way that I would want to be treated: with respect, courtesy, attention to detail, and caring. My relationship with my clients is based on mutual trust, and I never stop knocking myself out to justify their vote of confidence in me. I will do the same for you. Just try me.

RE/MAX Traditions real estate and homes for sale in Harvard, Bolton, and Boxborough Massachusetts

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