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All agents are NOT alike! Find out why we are top real estate experts. Call Joe: 760-963-0587 or Ed: 760-902-7776. (Ed).
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Real Estate Resources:
Special Offers - Special offers for La Quinta, Palm Springs and PGA WEST homeowners from Ed Pratt and Joe Vetrano. Affiliates - Ed Pratt and Joe Vetrano's real estate web site affiliates. eNewsletter - Ed Pratt and Joe Vetrano's La Quinta, Palm Springs and PGA WEST newsletter email will send you the latest real estate information. Today's Real Estate News - Daily real estate news for this neighborhood, California, and United States. Market Conditions Report - Market conditions report for this area, California, and United States. Monthly Payments & Schedule - Monthly loan payments java mortgage calculator. How Much Can You Afford? - Calculate how much home you can afford with this financial calculator. Determine Tax Savings - Calculate how much your monthly La Quinta, Palm Springs and PGA WEST California mortgage payments save you on your taxes because of loan interest. Should You Rent or Buy? - Is it better to rent a home in California or buy your own La Quinta, Palm Springs and PGA WEST house, ranch, luxury property, condominium, acreage, or other real estate? Adjustable Rate Mortgages - Adjustable rate La Quinta, Palm Springs and PGA WEST mortgages information and interest rate java calculator. What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage. Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out. What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment. TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other California real estate. Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more. Ask Anything - Ask Ed Pratt and Joe Vetrano anything real estate. NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale. Real Estate Tips - Ed Pratt and Joe Vetrano's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers. Real Estate Trivia - Ed Pratt and Joe Vetrano's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more. Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your La Quinta, Palm Springs and PGA WEST property in California, including legal terms definitions, and more. Go to Main Sitemap - Main sitemap sections include Find La Quinta, Palm Springs and PGA WEST Homes, For Home Buyers, For Home Sellers, La Quinta, Palm Springs and PGA WEST Information, Real Estate Resources, and About Ed Pratt and Joe Vetrano. 
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Financing Your Home >Qualifying For A Loan
It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.
Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.
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| Q |
In what 2003 comedy does a very large family move to a new house on Forest Avenue in Evenston, Illinois?
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| A |
"Cheaper by the Dozen", starring Steve Martin, was actually filmed in a house in Los Angeles near the Farmer's Market. |
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