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hey its Phil Evans with Bay Area lifestyle and Keller Williams Realty and today we have some very special guests we have Ryan meter and Mark Harris they are lenders and they are here today to talk with us about loans and everything you need to know to buy a home refinance a home and anything in between and so once you get qualified for the loan we often get whats called a pre-approval letter right and these guys are great about getting my clients pre-approval letters very quickly so that they can start shopping for homes you know within the weekend usually so Im I want to talk a little bit about the pre-approval letter and Ive noticed on the what the one thing that kind of is interesting to me is that there is an expiration date on the proof from the letter so when that expires how long are proof Google letters usually good for and when they expire what process is needed to get a new one so usually when the pre-approval letter is written it is because weve seen the entire file an