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How to get pre approved for a home loan. Can I get a mortgage? The first step in buying a home is to get preapproved for a mortgage. The mortgage lender will analyze your annual income, your credit history, and credit score. Lenders use a calculation called debt to income to estimate the ideal mortgage payment. Pre-qualification versus pre-approval - Is there a difference? Is there a difference between pre-approval and prequalification? What is a pre approval? Bankrupt.
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