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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	What five basic components of a "smart home" can be controlled by technology?
A	Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home".
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Betsy Jacobsen, Realtor Broker, REALTORŽ, real estate agent and broker for Maui, Kula and Haiku Hawaii home listings, property and land for sale - NUMBER1EXPERT(tm)

Betsy Jacobsen, REALTORŽ Owner & Principal Broker
Maui Real Estate Professionals
8 Kiopa'a Street, Suite 2
Pukalani, Maui, Hawaii, 96768
Office: 808 573-2005 x27
Personal Toll Free Fax: 1-866-906-0859
Toll Free : 877-275-2387 x27
Office Fax: 808 572-3022
Business Email: betsy@mauibetsy.com
Betsy began her real estate career in the resort community of Lake Arrowhead California, selling to the entertainment industry from 1988 to 1993. She moved to Maui in February of 1993 and reentered real estate during a slow market as the office and commercial property manager, as well as assistant to the owner of a large upcountry office until she joined Coldwell Banker Island Properties in April 1999.

Betsy opened her own real estate firm - Maui Real Estate Professionals on April 27, 2004. As Betsy Jacobsen, RealtorŽ Owner & Principal Broker The Graduate REALTORŽ Institute (GRI) Accredited Buyers' Representative (ABR) of Maui Real Estate Professionals, she has tripled her sale's production through hard work and a loyal clientele following. Betsy's 2005 Maui Real Estate sale's were just under $33,000,000, propelling Betsy to the #28 spot for the top 100 Realtors on Maui.

As a single mom of two young adults, Betsy's main goal has been to create a healthy and safe environment for her children, balancing a demanding, full-time career with a stable, healthy and joyful home life. Betsy is very proud of her children who were both excellent students and who have successfully moved into the working world. Jennifer, now 21, obtained her State of Hawaii Real Estate License in March of 2005 at the age of 18. Jen is an amazing real estate sale's associate and has proven there is nothing she can not accomplish. Brett, 24, graduated from Purdue in May of 2005 and is now a LTJG in the US Navy stationed on the USS WASP in Norfolk, VA. You can imagine how proud Betsy is of them both.

Incredible customer service, integrity, education, experience and a true caring geared towards protecting her clients has propelled Betsy into becoming one of Maui's most respected real estate brokers. RB #18209

www.mauirealestateprofessionals.com is brought to you by Betsy Jacobsen, Realtor Broker
NUMBER1EXPERT™ for Maui real estate for sale, Maui Island, Kula and Haiku, Hawaii, beachfront, oceanfront properties, luxury homes

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