I had a client who wanted to look at homes, she was not pre qualified.  I suggested that she get pre qualified before she starts looking. She insisted that she knew what she would qualify for. We find a property she likes and she wants to make an offer, I told her that she has to get pre qualified now because we cannot submit an offer with out a pre-approval letter from a lender. She contacts a bank and finds out that she can not qualify for the amount of the purchase. She qualified $75,000.00 less then she anticipated. She lost her interest in buying a home.

Kellie Clifford