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What is a conditional mortgage approval?

A conditional mortgage approval means your underwriter – the person who works for your mortgage lender and determines whether you qualify for a loan – will likely approve your mortgage application as long as you meet certain conditions.

What does conditional approval mean?

Conditional approval means that a mortgage underwriter plans to approve your mortgage application and provide you with the funding needed to buy a home as long as you meet certain conditions. Receiving conditional approval from your mortgage lender is a strong signal that your loan will ultimately get the go-ahead.

Should you get a conditional underwriting approval?

But conditional underwriting approval will make your bargaining position even stronger. Here are some of the advantages of having a conditional loan approval: The ability to stand out among other buyers: Receiving conditional approval will set you apart as a home buyer.

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