Outer Banks, Duck, Corolla and Hatteras Island real estate and homes for sale in North Carolina - The Holt Team, REALTORS® The Holt Team REALTORS(r) for Outer Banks, Duck, Corolla and Hatteras Island, North Carolina real estate - NUMBER1EXPERTS™ The Holt Team NUMBER1EXPERTS(tm) for Outer Banks, Duck, Corolla and Hatteras Island, North Carolina real estate
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Testimonials: Outer Banks, Duck, Corolla and Hatteras Island North Carolina home buying, real estate listings, and homes for sale in Dare                           County, NC
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"Thanks!"

Bill,

We waited a "long time" to thank you for helping us to finally "own" our little piece of OBX! . . .

We'll be in touch in the future -- we're sure to either buy or sell again!

Take care and thank Karen too! 

Jim and Cindy Sillhart

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Real Estate Tips
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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Real Estate Trivia
Q 
Where is the world's largest wine cellar, and how big is it?

A 
A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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The Holt Team, REALTOR®, real estate agentss and broker for Outer Banks, Duck, Corolla and Hatteras Island North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

The Holt Team
RE/MAX Ocean Realty

PO Box 8
Kill Devil Hills, NC. 27948
Office: (252) 441-2450
Toll Free: (866) 629-6571
Fax: (252) 441-1310
Bill Holt Cell: (252) 619-7010
Email: info@obxmls.com

There are no impossible dreams; There is just our limited perception of what is possible . . . . Let us show you what is possible!

CRB Equal Housing GRI MLS REALTOR



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