Real Estate Offers for Chattanooga, North Chattanooga and East Brainerd, Tennessee Provided by Andy Hodes & The Scenic City Team

Andy Hodes & The Scenic City Team consistently rank in the top 1%* of Chattanooga realtors by the Chattanooga Mulitple Listing Service!

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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	Fewer than 2 percent of homeowners build this type of home:
A	Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Andy Hodes & The Scenic City Team, REALTOR®, real estate agent and broker for Chattanooga, North Chattanooga and East Brainerd, Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)

Andy Hodes & The Scenic City Team
Keller Williams Realty
1200 Premier Dr., Suite 140
Chattanooga, TN 37421
423-664-1822
Fax: 423-664-1820
andy@andyhodes.com
Thank you for visiting my website and I hope you enjoy learning about what Chattanooga has to offer. It is one of the most beautiful cities in the Southeast. I am licensed in both Tennessee and Georgia. Please feel free to contact my team at anytime, we are here to assist you in your specific needs. I grew up in Chattanooga and moved away after college. When I married my wife, we decided to move back to Chattanooga to raise our family.

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