Asked by TJE, Tampa, FL • Mon Feb 2, 2009
ok guys i went to a local bank for FHA loan application and i was pre-apporoved after all documents went to underwriting. (taxes, bank statement, w2, etc..) Am i pre-approved or approved now? Do i have to stick with this bank or should i shop around and if i shop around will this hurt my credit score since they ran it on 1/19/09. They made my certificate of approval for 245K we realize now we want to spend less will this hurt us when placing an offer on a house that is priced less since our realtor suggests we should attach this letter with our offer. E.G houses we like 199k, 215k, and 235k. our pre-approval certificate says 245k might the seller not negotiate on asking price since they know what we are approved for?
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