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are you wondering what is a pre-approval letter why is it important and how do i get one well keep watching because that is exactly what we are going to be talking about today and you dont want to miss my pro tips at the end [Music] hi there welcome back to my channel my name is emily ingle and im a realtor with keller williams in jacksonville beach florida youre going to need three main things to get approved for a mortgage but first why is a pre-approval letter even so important well first how can you start house hunting if you dont know how much you can afford yes you can go on google and type in mortgage calculator and type how much money you make and what you roughly want your monthly payments to look like and its going to give you an estimate but it is an estimate or you can go on zillow you find a house you like you scroll down and it gives you an estimated monthly payment again it is an estimate this is not taking into account your full financial picture what is your debt