If you are actively house hunting, Evansville Federal Credit Union recommends that you get either pre-qualified or pre-approved so that you know how much house you can afford.
The pre-qualification process includes analyzing your income, assets and present debt to estimate what you may be able to afford on a home purchase. A pre-qualification is only an estimate - it is not a guarantee that you would be approved for a loan in that amount. If you'd like to start the pre-qualification process, just fill out the form.
A pre-approval involves all of the information in the pre-qualification, along with verification of employment, income, assets, debts and credit rating. A pre-approval means that you are pre-approved for a loan of a certain amount. Getting pre-approved will allow you to be confident in what you can afford, and can also make you more attractive to a seller
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