Pre-approval vs. pre-qualification — here’s the real difference. A pre-approval sounds strong, but it doesn’t fully guarantee you can buy a home. Why? Because your rate and payment can still change. Once you’re pre-qualified AND under contract, that’s when you can officially lock your interest rate. Rate locks matter because interest rates move every day—sometimes every hour—which means your monthly payment can shift until you secure a home and lock it in. #preapproval #realestate #interestrates
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