Do you guys think you always need a pre approval letter to make an offer on a home? Don’t know which lender I want to choose yet so don’t want to pull a credit report just yet

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Depends on your market and what is typical for your market. If I write an offer, it’s because I already have the lender who has done the preapproval and I submit my proof of funds with the offer. The selling realtor calls my lender to ensure we can close before accepting or submitting a counter.

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People may not entertain your offer, similar to contingency offers. Depends on your market tbh if you’re buying in LA where houses go on the market for 2 days and get cash offers you probably would have zero chance.

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Where and what are you buying

Not right now :)

And anyway if the seller is skittish you can get one in a day.

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