and for a while now. I'm still months, or even a year, away from buying, but I'm starting to get serious about budgeting more, saving more, and making this dream a reality.
I wanted to get a number, but I didn't want any new credit inquiries showing up on my credit report. By definition, getting pre-qualified for a mortgage would be ideal — pre-qualification checks your ability to buy based on the information you give, without a While a pre-qualification is based on the information you provided and not vetted by the lender, a pre-approval verifies your income, credit, and debt information. While a pre-approval includes a hard inquiry that appears on your credit report, a pre-qualification shouldn't.
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