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Buying a home is one of the biggest financial decisions most people make. Yet many jump into house hunting without knowing exactly how much they can afford. Getting preapproved for a mortgage before shopping changes that. It gives you a clear budget, strengthens your negotiating position, and protects your financial health throughout the process. Mortgage preapproval letter and calculator on wooden table Understanding Mortgage Preapproval Mortgage preapproval is a lender’s wr