Pre-Approved vs Pre-Qualified in 2026 | The Mortgage Mistake California Buyers Can’t Afford

Описание: Are you a California first-time homebuyer in 2026? One of the biggest mistakes buyers still make is confusing pre-qualification with pre-approval—and it can cost you the house.

In this episode of Mortgage Mastery, T.R. McCarthy, aka TR the Loan Guy, Mortgage Broker for Sceptre Mortgage, breaks down a real-world client example showing:

The true difference between being pre-qualified vs pre-approved

Why sellers and listing agents take one seriously—and ignore the other

How a full pre-approval can strengthen your offer and protect you in today’s market

Plus, Dr. Sharon Barnes, Realtor & Strategic ADU Specialist with ADU Advantage, joins the conversation to explain what’s changed for buyers when it comes to real estate commissions and what you need to know before making an offer.

If you’re planning to buy your first home in California, this video will help you avoid costly mistakes and move forward with confidence.

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About Me:
T.R. McCarthy - Mortgage Broker (NMLS: 1200420) at TRtheLoanGuy.com 🏡

Sceptre Mortgage (NMLS:1730367) - Call us at 888-488-5066! 📞

Resources:
Royalty-free music & video: StoryBlocks and Artlist

Support the Show:
☕️ Buy Me a Coffee: buymeacoffee.com/TRMcCarthy (Fuel future episodes!)
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Disclosures:
This video is for informational purposes only and doesn't constitute financial advice. ⚠️ Programs may change.

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