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What's the Difference between pre-qualification and pre-approval? Gaby Castillo, with Primary Residential Mortgage shares, that pre-qualified is a projection of what mortgage payment you may be able to manage, which provides a more realistic price range when looking at homes. Whereas a pre-approval is what the bank or credit union will allow you actually to borrow. The post Gaby Castillo | Pre-Approved vs. Pre-Qualified: What’s the Difference? appeared first on Utah Real Estate Podcast.