Pre-Qualified vs. Pre-Approved: The $50,000 Mistake

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A couple lost their dream home last month—not because they couldn't afford it, but because they didn't understand ONE word. The difference between "pre-qualified" and "pre-approved" cost them $50,000 when another buyer swooped in with a real approval letter.

In this video, I break down exactly what pre-qualified vs pre-approved actually means, why one is basically worthless and the other is gold, and how to make sure YOU'RE holding the right letter when you find your dream home.

You'll learn:
✅ Why pre-qualification is just an "educated guess" (and why sellers ignore it)
✅ What makes a REAL pre-approval letter valuable
✅ Real scenario: How a $445K offer beats a $450K offer every time
✅ The 4 questions to verify if your letter is real or worthless
✅ My exact 4-step process that prevents clients from losing houses

⏱️ TIMESTAMPS:
0:01 - The $50,000 Mistake (A True Story)
0:47 - Pre-Qualification Explained (The Educated Guess)
1:17 - Pre-Approval Explained (The Gold Standard)
2:55 - Why Lenders Create This Confusion
3:33 - The Right Way to Get Pre-Approved (4-Step Process)
5:28 - Your Next Steps

Pre-qualified vs pre-approved mortgage 2026 | Mortgage pre-approval explained | How to get pre-approved for a home loan | First-time home buyer mistakes to avoid | Pre-qualification vs pre-approval difference | Vancouver WA & Portland OR mortgage tips

DISCLAIMER: This video is for educational purposes only and does not constitute financial advice. Loan approval is subject to credit and income verification. Individual results vary based on financial situation. Contact a licensed loan officer for guidance specific to your situation.
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I'm Dustin Hutley with Envoy Mortgage in Vancouver, WA. I help first-time buyers and small investors in SW Washington & Portland metro find their clear path to homeownership - even if you've been told no before.

You're not denied. You're on a path. Let's find yours!
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📍 I'm licensed in Washington & Oregon - NMLS: 1534848
🎯 Specializing in: First-time buyers, self-employed borrowers, down payment assistance programs, investment properties
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This is not a commitment to lend - Envoy Mortgage Ltd. 6666 (www.nmlsconsumeraccess.org)

952 Echo Lane, Suite 190 Houston, TX, 77024, 877-232-2461 - www.envoymortgage.com | |

Other authorized trade names: Envoy Mortgage LP; Envoy Mortgage of Wisconsin; Envoy Mortgage, A Limited Partnership; Envoy Mortgage, L.P.; Envoy Mortgage, Limited Partnership; Envoy Mortgage, LP; Envoy Mortgage, LTD Limited Partnership; ENVOY MORTGAGE, LTD, LP (USED IN VA BY: ENVOY MORTGAGE, LTD); Envoy Mortgage, LTD. (LP)

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