The Pros and Cons of Mortgage Pre-Qualification

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Welcome and thank you, Officer Culianos! Stay safe!

Welcome and thank you, Officer Culianos! Stay safe!Join us in welcoming Officer Anthony Culianos to Nanuet! Officer Culianos is the new School Resource Officer (SRO) at A. MacArthur Barr Middle School. He has been with the Clarkstown Police Department since 2014 and is now part of the #NUFSD family! #newtonanuet ... See MoreSee Less

13 hours ago

4 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™

Congratulations Lord PLZ keep him safe in this cruel world๐Ÿ’™๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™

Welcome,be safe

Thank you!
#PinkPatchProjectImage attachmentImage attachment+3Image attachment

Thank you!
#pinkpatchproject
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13 hours ago

1 CommentComment on Facebook

Thank you from a Breast Cancer survivor...God survivor...God Bless you all......

Thank you!
#PinkPatchProjectImage attachment

Thank you!
#pinkpatchproject
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13 hours ago
Thank you!
#PinkPatchProjectImage attachmentImage attachment

Thank you!
#pinkpatchproject
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13 hours ago

Thank you!
#pinkpatchproject
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13 hours ago
Hello and thank you, K-9 Vita! Stay safe!

Hello and thank you, K-9 Vita! Stay safe!We are excited to introduce our newest partner in crime-fighting: Meet K-9 "Vita" from the Czech Republic, who specializes in drug detection. Let's give her a warm welcome! #toledopolice ... See MoreSee Less

13 hours ago

4 CommentsComment on Facebook

๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™

Welcome!

Hi there Gorgeous ! Stay Safe and watch over Your Partner / Handler.๐Ÿถ๐Ÿ–ค๐Ÿ’™๐Ÿ–ค๐Ÿ’™

๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿบ๐Ÿบ๐Ÿ’™๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿบ๐Ÿ’™๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™

This is so precious!!!!
Stay safe, K9 Jocko! and K9 Officer Prichard!

This is so precious!!!!
Stay safe, K9 Jocko! and K9 Officer Prichard!๐Ÿพ๐Ÿ‘ฎโ€โ™‚๏ธ Exciting Adventures with K9 Jocko! ๐Ÿ“๐Ÿ’ช

Check out this pawsome pic of K9 Officer Prichard with our incredible K9 Jocko! ๐Ÿถโšก๏ธ This dynamic duo just proved that Jocko is more than just an amazing apprehension and narcotics detection K9, he's also an emotional support pup for his handler! ๐Ÿฅฐ

In this photo, you can see K9 Officer Prichard holding Jocko's paw while typing up a police report. Jocko knows that writing reports can be tough, so he's right there by his handler's side, providing that much-needed support. Talk about teamwork! ๐Ÿ‘๐Ÿ™Œ

We're incredibly grateful to have such a talented and caring K9 like Jocko on our force. He's always ready to lend a helping paw and make a positive impact in our community. Together, K9 Jocko and Officer Prichard continue to keep our streets safe and bring smiles to our faces. Good boy, Jocko! ๐Ÿพ๐Ÿ’™

#k9handler #k9jocko #teamworkmakesthedreamwork #emotionalsupportpup #plainfieldpd #havingfun
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13 hours ago

3 CommentsComment on Facebook

๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™

Beautiful Thank You

Awwww

What a beautiful picture of a very special moment! Congratulations and thank you both!! Stay safe!

What a beautiful picture of a very special moment! Congratulations and thank you both!! Stay safe!From the New Port Richey Police Department. Like father, like daughter! Officer Negersmith is following the footsteps of her dad, who has spent his entire career in law enforcement. An affinity for policing seems to run in the family. ... See MoreSee Less

2 days ago

8 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

Salute๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™

Awesome stat safe ๐Ÿ’™

๐Ÿ‘๐Ÿ‡ฑ๐Ÿ‡ท

Be safe and thank you ๐Ÿ™๐Ÿ™๐Ÿ™

Be safe and thank you ๐Ÿ™๐Ÿ™๐Ÿ™

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Thank you, #Hero!

Thank you, #Hero!Night side Officer Roman was happy to reunite an important family member with their family tonight ... See MoreSee Less

2 days ago

3 CommentsComment on Facebook

Awesome๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ˜Š

Good Bless you

Congratulations!

Congratulations!Congratulations to the South Suburban Association Chiefs of Police 2023-2024 Executive Board Members! #NOBLEProud ... See MoreSee Less

2 days ago
Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!Last year these three chose to fill out an application and toss their name into our candidate pool. Jump forward to today, they have completed their Field Training Program and start solo patrol, serving our awesome community. Congratulations to Officer Talg, Officer Frick and Officer Shoemaker. Thank you for choosing #Wausau! ... See MoreSee Less

2 days ago

1 CommentComment on Facebook

Congratulations ๐ŸŽŠ

Welcome and thank you, K9 Batman and Officer Dillard! Stay safe!

Welcome and thank you, K9 Batman and Officer Dillard! Stay safe!Meet K9 Batman! K9 Batman is a German Shepard mix and is approximately 2 years old. His handler is Officer Dillard and he is one of our new Greene County Jail K9s.

K9 Batman is also featured on our newest Greene County Jail K9 Swag! This apparel can be purchased from The CrackerJack Shack using the link below!

www.crackerjackshack.com/gcsok9

This is a pre-sale. Orders will be produced and shipped after the selling period ends. A portion of every sale goes to the Greene County Sheriffโ€™s Office K9 Unit.
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2 days ago

5 CommentsComment on Facebook

Salute๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿซก๐Ÿ™๐Ÿ™

โค๏ธ

Ty

Looking Good. Now, Go get the Bad Guys and find all those Drugs.

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Welcome, K-9 Havik Officer Stockdale! Thank you! Stay safe!Image attachment

Welcome, K-9 Havik Officer Stockdale! Thank you! Stay safe! ... See MoreSee Less

2 days ago

5 CommentsComment on Facebook

Welcome! Congratulations on your new job! Stay safe!

Salute๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™

Awesome duo ๐Ÿ’™

Awesome

Beautiful ๐Ÿ˜

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Rest in Peace, K-9 Rico. Thank you for your service, #Hero 
๐Ÿ’™๐ŸพImage attachment

Rest in Peace, K-9 Rico. Thank you for your service, #Hero
๐Ÿ’™๐Ÿพ
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2 days ago

4 CommentsComment on Facebook

So very sorry for ur loss๐Ÿ’”may he rest in eternal peace over the rainbow bridge๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’”๐Ÿ’”๐Ÿ’”

๐Ÿ˜ข๐Ÿ™๐Ÿ‡ฑ๐Ÿ‡ท

Thank you for your service. Rest in peace.

RIP Rico

Congratulations! Thank you! Stay safe!Image attachmentImage attachment+7Image attachment

Congratulations! Thank you! Stay safe! ... See MoreSee Less

2 days ago
Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!The Lovington Police Department would like to extend a warm welcome and introduce Officer Berenice Vega to our community.

Officer Vega was born in Jerecuaro Guanajuato, Mexico and came to the United States when she was 9 years old. Officer Vega graduated from Lovington High School in 2017 and was granted citizenship in 2018. Officer Vega will begin our Field Training Program and attend the Southeastern New Mexico Law Enforcement Academy at a later date.

We are delighted to have Officer Vega join our ranks at the Lovington Police Department!
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2 days ago
Thank you for 33 years of service!!Image attachmentImage attachment+5Image attachment

Thank you for 33 years of service!! ... See MoreSee Less

5 days ago

6 CommentsComment on Facebook

Thank you Sir for your service to your community..... Enjoy your retirement... God Bless you and your family.....

Congratulations

๐Ÿ‘๐Ÿ‡ฑ๐Ÿ‡ท

Salute๐Ÿ’™๐Ÿซก๐Ÿ’™๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก

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Thank you, SRO, Private Chestnut! Stay safe!

Thank you, SRO, Private Chestnut! Stay safe!Congratulations to our newly promoted School Resource Officer, Private Chestnut. Thank you for keeping us safe and mentoring our students. We appreciate you!
#schoolrescourceofficers #eastpointsc
West Columbia Police Department
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6 days ago

8 CommentsComment on Facebook

๐Ÿ‘๐Ÿ‡ฑ๐Ÿ‡ท

Salute and Honor

Congratulations

Thanks prayers stay safe and well in Jesus name

Congratulations ๐ŸŽŠ

Congratulations!!!๐Ÿ‘ฎ๐Ÿฟ‍โ™€๏ธ๐Ÿ‘

Congratulations lord keep her n r kids safe in this cruel world๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿ’™๐Ÿ’™

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Way to go, K9 Freddie!! Thank you!

Way to go, K9 Freddie!! Thank you!๐ŸŽต"Another One Bites the Dust," ๐ŸŽถby Freddie Mercury. Dog of the month, Madison, WI Police K9 Freddie is still in his rookie year. Of course the old veterans can be counted on...but with a new pup (and a new handler!), there is always a bit of doubt until they prove themselves in the field.
On K9 Freddie's first search warrant assignment - his SECOND call ever in his young career - he was asked to bring his nose to search a house & garage.
He immediately indicated on an old can of paint in a very messy garage. Officers were skeptical; the weight of the can didn't seem to match his response. But, "Trust Your Dog" is a maxim to live by. When they opened the can, they found a kilo of cocaine, wrapped tightly in plastic bags!
Hiding drugs in old paint cans is intended to mask the smell of the drug. Ha! Rookie Freddie was not fooled for a second. Home run first time at bat. Welcome to the team Freddie!

Madison Police Department Keeping K-9s in Kevlar #k9freddie #freddiemercury #whatanose #rookieyear #anotheronebitesthedust #berbeewalsh #trainhardworkhard #fieldtested #passedthetest #teammember
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6 days ago

4 CommentsComment on Facebook

Beautiful dog

job well done Freddie....stay safe and long prormising life for you and your partner

Great job,K-9 Freddie! โค๏ธโค๏ธ

Besutiful salute๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™

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The Pros and Cons of Mortgage Pre-Qualification

The main difference between a mortgage pre-qualification and a mortgage pre-approval is the fact that a Loan Officer will verify information for a pre-approval.

For a mortgage pre-qualification, you can have a brief 10โ€“15 minute phone call with a Loan Officer where youย stateย your gross monthly income, your current assets, your credit score, and your current monthly debts. The Loan Officer then calculates your pre-qualification amount and provides you with a letter that you can use for viewing properties.

The downside of a pre-qualification letter is that all the information isย statedย by the prospective buyer and is not verified by the Loan Officer. So, when a sellerโ€™s real estate agent has two offers in hand, one a pre-qualification letter and one a pre-approval letter, they will see the pre-approval letter as a stronger offer because they know a Loan Officer hasย verifiedย income, assets, and credit for this prospective buyer.

Pros:

  • It is a very quick process. A Loan Officer can provide a pre-qualification after a brief phone call.
  • Loan Officers do not need to pull credit for a pre-qualification letter.
  • It can be a good starting point in case you are not ready to start making offers, but you want to know what price range you should be looking in.
  • A pre-qualification letter does not have an expiration date. A pre-approval letter, on the other hand, typically expires after 90 days after the credit report is no longer deemed valid by Fannie Mae and Freddie Mac.

Cons:

  • The information verbally provided to the Loan Officer for a pre-qualification may not be accurate, and it may give you a false idea of the price range you can afford. For instance, you may think your credit score is 750 from a credit website, but the Loan Officer may officially pull it with the three credit bureaus (TransUnion, Equifax, and Experian) and it may be much lower. This change in credit score between expected and verified may affect your purchasing power.
  • When a listing agent for a seller receives multiple offers, much like in todayโ€™s competitive market, they will view pre-approval letters as stronger offers.

 

Dylan Walsh
Loan Officer
Police Mortgage

Dylan Walsh has been a Loan Officer with Police Mortgage, headquartered in Chicago, IL, for the past 5 years and has personally overseen more than 900 mortgage transactions.

For more information on Police Mortgage or secure your free, same-day mortgage pre-approval, please visit: www.policemortgage.com.

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