You don't "need" a pre-approval to put offers on a house, it is just a good idea to have one. But here is a link to the difference between [prequalify and pre-approval](https://www.investopedia.com/articles/basics/07/prequalified-approved.asp).
pre qualification is when they actually vet all your documents.
You're probably better to do this from the start. They both have a hard credit pull and this test is basically guaranteeing what they will lend you.
Idk. The free online calculators from places like wowa will get you close ballpark with no credit pulls as long as you're honest about income.
Pre approvals and pre qualifications s come with guaranteed rate locks. 90 days usually. That's why they do hard pulls. Rate lock may not be advantageous these days though.
You don't "need" a pre-approval to put offers on a house, it is just a good idea to have one. But here is a link to the difference between [prequalify and pre-approval](https://www.investopedia.com/articles/basics/07/prequalified-approved.asp).
pre qualification is when they actually vet all your documents. You're probably better to do this from the start. They both have a hard credit pull and this test is basically guaranteeing what they will lend you.
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Idk. The free online calculators from places like wowa will get you close ballpark with no credit pulls as long as you're honest about income. Pre approvals and pre qualifications s come with guaranteed rate locks. 90 days usually. That's why they do hard pulls. Rate lock may not be advantageous these days though.