b********r
发帖数: 580 | 1 在House-Hunting开始前, 大家是先申请Pre-Qualify, 还是直接申请Pre-Approval?
这两种是不是都需要check credit, 会不会降低Credit Score?
谢谢! | d******n
发帖数: 2712 | 2 别让太多人在短期内集中check credit，对credit就不会有很大影响。
我们一般都给Pre-approval letter，对银行来说两者差别不大，都不guarantee最终可
以拿到贷款。只不过seller希望能看到这么个东西而已。 | b********r
发帖数: 580 | 3 多谢!
【在 d******n 的大作中提到】
: 别让太多人在短期内集中check credit，对credit就不会有很大影响。
: 我们一般都给Pre-approval letter，对银行来说两者差别不大，都不guarantee最终可
: 以拿到贷款。只不过seller希望能看到这么个东西而已。
| h***b
发帖数: 1233 | 4 Pre-qualify goes by your words (whatever you tell them--income, fico, assets
, etc.). Pre-approval requires credit check and documents (pay stub, bank
statement, etc.) as proof.
Seller would prefer "pre-approval"--it's more serious and accurate
indication of buyer's credit worthiness. you only need 1 pre-approval/
qualification. shouldn't have major impact on your FICO scores.
some CA rate info for your reference--
http://www.mitbbs.com/club_bbsdoc/charles.html
【在 b********r 的大作中提到】
: 在House-Hunting开始前, 大家是先申请Pre-Qualify, 还是直接申请Pre-Approval?
: 这两种是不是都需要check credit, 会不会降低Credit Score?
: 谢谢!
| b********r
发帖数: 580 | 5 十分感谢!
assets
【在 h***b 的大作中提到】
: Pre-qualify goes by your words (whatever you tell them--income, fico, assets
: , etc.). Pre-approval requires credit check and documents (pay stub, bank
: statement, etc.) as proof.
: Seller would prefer "pre-approval"--it's more serious and accurate
: indication of buyer's credit worthiness. you only need 1 pre-approval/
: qualification. shouldn't have major impact on your FICO scores.
: some CA rate info for your reference--
: http://www.mitbbs.com/club_bbsdoc/charles.html
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