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How Do I Get Pre-Approved for a Mortgage? – As you search for a home, there’s an important step to take to help you know what you can afford: getting pre-approved for a mortgage.. But you may be able to request Form 4506-T for free.

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Home Purchase Loans | FREE Online Mortgage Pre-Approval. – To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "28/36." This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

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