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When the file is complete, but sometimes sooner, the lender \"underwrites\" the loan, which means deciding whether or not you are an acceptable risk.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"is_active":true,"created_at":"2026-07-01T02:28:57.88227+00:00","updated_at":"2026-07-01T02:28:57.866+00:00","faq":[{"answer":"The ​pre-approval ​process ​is ‍much ​more ​complete ‍than ‍pre-qualification. ​For ​pre-qualification, ​the ‍loan ‍officer ‍asks ‍you ‍a ​few ​questions ​and ‍provides ‍you ​with ‍a ‍pre-qual ‍letter. ​Pre-approval ​includes ​all ‍the ​steps ‍of ​a ‍full ​approval, ​except ​for ​the ​appraisal ​and ‍title ​search. ‍Pre-approval ‍can ‍put ​you ‍in ​a ​better ​negotiating ​position, ​much ‍like ​a ​cash ‍buyer.","category":"general","question":"What is the difference between pre-approval and pre-qualification?"},{"answer":"Usually ​people ​refinance ​to ‍save ​money, ​either ‍by ‍obtaining ​a ​lower ​interest ‍rate ‍or ‍by ‍reducing ‍the ​term ​of ​the ‍loan. ‍Refinancing ​is ‍also ‍a ‍way ​to ​convert ​an ‍adjustable ​loan ‍to ​a ‍fixed ​loan ​or ​to ​consolidate ​debts. ​The ‍decision ​to ‍refinance ‍can ‍be ​difficult, ‍since ​there ​are ​several ​reasons ​to ‍refinance. ​However, ​if ‍you ‍are ​looking ​to ​save ‍money, ‍try ‍this ‍calculation: ‍Calculate ​the ​total ​cost ‍of ‍the ​refinance ‍Calculate ‍the ‍monthly ​savings ​Divide ​the ‍total ​cost ‍of ​the ‍refinance ​(#1) ​by ​the ​monthl","category":"general","question":"When does it make sense to refinance?"},{"answer":"A rate lock is a contractual agreement between the lender and buyer. 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