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your self better terms or terms that suit your needs more closely. Government standards are in place to make sure such policies are clear and in plain language, but complaints are still pouring into consumer protection groups regarding these policies. The basic advice here is be very careful if opting for expensive insurance policies. Make sure you understand the terms, and that you think they might be of benefit to you, and if you donÆt want the policy, just say no. Title: Loan Prequalification û A Potential Trap Word Count: 488 Summary: As with much of the real estate industry, the mortgage industry uses terms that sound great, but really are not what they sound like. The loan prequalification is such a phrase. Keywords: mortgage, loan, home loans, mortgages, qualify, approval, qualification, bank, lender, Article Body: As with much of the real estate industry, the mortgage industry uses terms that sound great, but really are not what they sound like. The loan prequalification is such a phrase. Loan Prequalification û A Potential Trap If you have shopped for a home, you know all the interesting terms people use to describe their property. A cozy home can be translated to mean the home is essentially a closet with a bathroom. A rustic home often means the place is so decrepit, scientist study it to see if it is breaking the laws of physics by remaining upright. I am sure you have more than a few examples of your own. In the mortgage world, loan prequalification is an activity and phrase that is interesting. The basic idea is a buyer goes to a lender prior to shopping for a home and attempts to determine what they can borrow. The lender does a cursory interview and maybe looks a paycheck stub. The lender representative then declares that buyer is prequalified for a certain amount. With letter in hand, the buyer heads out to find that unique property that is just right. While this all may sound great, there is a serious problem. A prequalification determination by a lender is not worth the paper it is written on. Anyone can get prequalifed. The lender has really made no determination. All they have done is give you a piece of paper that they hope will get you to come back and actually apply for a loan with them. The bank hasnÆt actually run though any of the criteria it uses to write a loan, so there is no value to it. The dollar figure quoted in the letter might as well be for a bazillion dollars for all it is worth. The prequalification letter is not

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