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These days it is very important to obtain a prequalification letter from your lender before you even start looking for a property. A good number of sellers and their agents are now requiring one be submitted with your offer. The purpose for this is to make yourself look like a serious buyer. No party whether buyer or seller wants to waste time. Between a buyer who has taken the time to get prequalified and one who hasn't, the buyer with prequal will always win out.