That's really a question for your Loan Officer. If he/she was able to pre-approve you that means they already addressed your income and calculated it to what the lender will use as your monthly qualifying income. Hopefully they calculated the right way. I find that this is one of the biggest mistakes made by Loan Officers, they miscalculate your income and by the time a processor or underwriter gets to the file they recalculate the income and come up with a lower monthly income than what the Loan Officer had. Needless to say, this sometimes leads to problems.
As mentioned below, regarding the inspection, speak to your Realtor and she what he/she advices.
If you want a second opinion on your mortgage, I'm always available to help! Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797