If you opt out, though, you may still receive generic advertising. If you prefer that we do not use this information, you may opt out of online behavioral advertising. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. We strive to provide you with information about products and services you might find interesting and useful. Whether you choose to get prequalified or preapproved, you will have a better sense of what’s in your price range and can hunt for a house with confidence. Then you can lock your rate and complete your application. ![]() Once you’re preapproved, you’ll have 90 days to find a home you love. The lender will then use these documents to determine exactly how much you can be preapproved to borrow. Unlike prequalification, preapproval is a more specific estimate of what you could borrow from your lender and requires documents such as your W2, recent pay stubs, bank statements and tax returns. Having a preapproval lets sellers know that you already qualify for the home financing which greatly increases your chance of having your offer selected. When you want to give yourself a competitive edge over other buyers in the market, you can get preapproved. This can be completed easily and conveniently online, in person, or over the phone in just a few minutes with basic information like your income and expected down payment. When you want to talk to a lender to establish a general range of home prices, you can get prequalified, which is simply a lender’s estimate of what you could potentially borrow. Before you start, it’s important to understand the difference. Special thanks to Sam Dolnick, Paula Szuchman, Lisa Tobin, Larissa Anderson, Wendy Dorr, Julia Simon, Isabella Anderson, Renan Borelli, Mahima Chablani, Nell Gallogly, Jeffrey Miranda, Elizabeth Davis-Moorer and Maddy Masiello.As you look for a home, you may be asked to get prequalified or preapproved. Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly. Baylen, Asthaa Chaturvedi, Rachelle Bonja, Diana Nguyen, Marion Lozano, Corey Schreppel, Anita Badejo, Rob Szypko, Elisheba Ittoop, Mooj Zadie, Patricia Willens, Rowan Niemisto, Jody Becker, Rikki Novetsky, John Ketchum, Nina Feldman, Will Reid, Carlos Prieto, Sofia Milan, Ben Calhoun, Susan Lee, Lexie Diao, Mary Wilson, Alex Stern, Dan Farrell, Sophia Lanman, Shannon Lin, Diane Wong and Devon Taylor. Davis Lin, Dan Powell, Dave Shaw, Sydney Harper, Robert Jimison, Mike Benoist, Liz O. The Daily is made by Rachel Quester, Lynsea Garrison, Clare Toeniskoetter, Paige Cowett, Michael Simon Johnson, Brad Fisher, Chris Wood, Jessica Cheung, Stella Tan, Alexandra Leigh Young, Lisa Chow, Eric Krupke, Marc Georges, Luke Vander Ploeg, M.J. ![]() Sheryl Stolberg and Rebecca Robbins contributed reporting.įace-checking by Susan Lee and Caitlin Love.
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