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Before you buy a home, it makes sense to find out about your mortgage options. A good first step is to complete the online Prequalify Form or speak with a U.S. Bank loan officer who will help you determine what you can afford and the type of loan that best suits your needs. This will ensure that you begin your search as an educated buyer.
Mortgage pre-qualification is an assessment to determine whether your income and debt-ratio may fit a current U.S. Bank Home Mortgage loan program and provides an estimated amount you may be able borrow. A Letter is provided and can be given to your Realtor as a sign of confidence that you are a serious homebuyer.
Mortgage pre-approval is a financial evaluation that involves applying for a mortgage, underwriting, and a commitment by the lender for a specific loan amount. After applying we will provide you with all required application disclosures including a “Good Faith Estimate of Settlement Costs” and an "Intent to Proceed" notice. If you agree to proceed, we will collect funds necessary to cover the cost of your appraisal. If you're pre-approved for a mortgage by U.S. Bank, we'll provide you with a letter stating that you have conditional approval for a specified loan amount.
A prequalification request is an inquiry only, not a mortgage loan application or a commitment to lend and no interest rate is promised or secured. An assessment was performed to determine whether your income and debt-ratio may fit a current U.S. Bank Home Mortgage loan program. A credit decision will be made only after you submit a complete mortgage loan application and we are able to verify and fully evaluate your application request in accordance with the loan program you have selected and all underwriting criteria.