This mortgage process decision makes the difference between getting or losing your house.

Edgar DeJesus • October 8, 2020

Pre-qualification or Pre-approval, One is more important than the other when it comes to getting a mortgage. Find out which is better and why.


You were looking at homes and came across a home you love. You contacted the real estate agent, and she introduced you to her mortgage broker who pre-qualified you. 


The pre-qualification process only took five minutes to complete, and in less than thirty minutes, you received your pre-qualification letter. You were able to make an offer on your dream home. 


Shortly after that, the real estate agent let you know that your offer was not accepted due to a multiple bid situation. 


It’s impossible. You offered full price and did no negotiating. How could you lose the house!


The simple reason you lost the house is the seller accepted the offer made by the pre-approved individual and not your offer because you were only prequalified. 


The other buyer took the long route and due diligence to submit all of the initial documentation. They completed a full mortgage application and even allowed the mortgage broker to run their credit. The seller had the reassurance that this individual would not have any problems completing their financing process. A lot more work for the other buyer, but they got their dream home. 


Fortunately here at Treasure Coast Mortgage Info we only provide mortgage pre-approvals ensuring you don’t lose your next home. 


Contact Us Today at 772-444-6362 To Start Your Mortgage Pre-approval.



CONTACT US

Call or text 561-223-9347 or email edgar@treasurecoasthomeloans.com to discuss your loan. 


Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by the borrower(s). A loan is only approved when the lender has issued approval in writing and is subject to all lender conditions. Any specified rates and terms are contingent upon loan approval and are subject to change without notice due to unpredictable market conditions. Innovative Mortgage Services, Inc. is a Florida licensed lender. Company NMLS #250769. Originator NMLS # 230414. Florida Mortgage Lender License, License/Registration #: MLD178 Florida. Mortgage Lender Servicer License, License/Registration #: MLD2167 Equal. Equal Housing Lender 

⚡ 7-Minute Pre-Approval

Start Your Mortgage Application

Ready to make your move? Apply securely with Treasure Coast Home Loans, your local mortgage broker. We make the process fast, simple, and transparent so you can shop for your new home with absolute confidence.

Free Search Tool

Unlock Down Payment Assistance

Did you know there are hundreds of state and local programs designed to help Florida buyers cover their down payment and closing costs? You could qualify for thousands of dollars in assistance. Answer a few quick questions to see exactly what programs you are eligible for right now.

Mortgage Broker Port St. Lucie, Florida

Learn More About the Mortgage Process.


Check Out Our Google Verified Reviews

Comprador de vivienda en Florida revisando el proceso desde la aceptación de la oferta
By Edgar DeJesus July 7, 2026
¿Tu oferta fue aceptada? Descubre exactamente qué sucede entre estar bajo contrato y el día del cierre en Florida, incluyendo inspecciones, tasación, seguro, compañía de títulos, HOA y aprobación hipotecaria.
Florida home buyer reviews , home buying timeline from accepted offer to closing with a local lender
By Edgar DeJesus July 7, 2026
Your offer was accepted—now what? Learn exactly what happens between going under contract and closing on a home in Florida, including inspections, title, insurance, appraisal, underwriting, and how to avoid costly delays.
Florida home buyer reviewing HOA financial statements, reserve studies, meeting minutes,
By Edgar DeJesus July 6, 2026
Before buying a home with HOA dues in Royal Palm Beach, West Palm Beach, Palm Beach Gardens, Boynton Beach, Port St. Lucie, Stuart, or Fort Pierce, learn exactly what HOA documents contain, what matters most, and how smart buyers protect themselves before closing.
Comprador de vivienda en Florida revisando estados financieros del HOA, estudios de reservas,
By Edgar DeJesus July 6, 2026
¿Comprando una vivienda con HOA en Royal Palm Beach, West Palm Beach, Palm Beach Gardens, Boynton Beach, Port St. Lucie, Stuart o Fort Pierce? Descubre exactamente qué contienen los documentos del HOA y qué deben investigar los compradores inteligentes antes del cierre.
Comprador de vivienda en Florida revisando el verdadero costo mensual de ser propietario, incluyendo
By Edgar DeJesus July 1, 2026
Comprar una casa en Florida implica mucho más que capital e intereses. Aprende el verdadero costo mensual de ser propietario en Royal Palm Beach, West Palm Beach, Palm Beach Gardens, Port St. Lucie, Stuart y todo Florida antes de comprar.
Florida home buyer reviewing the true monthly cost of homeownership including insurance, taxes, HOA
By Edgar DeJesus July 1, 2026
Buying a home in Florida involves much more than principal and interest. Learn the real monthly costs of homeownership in Royal Palm Beach, West Palm Beach, Palm Beach Gardens, Port St. Lucie, Stuart, and throughout Florida before you buy.
Florida homebuyer review seller credits and mortgage options Port St Lucie  and Palm Beach
By Edgar DeJesus June 30, 2026
Seller credits can help Florida homebuyers reduce cash to close, cover closing costs, lower prepaid expenses, or structure a temporary rate buydown. Learn how seller concessions work for conventional, FHA, VA, and USDA loans in Port St. Lucie, Stuart, Fort Pierce, Palm Beach Gardens, Royal Palm Beach
Comprador de vivienda  Florida revisando créditos del vendedor costos de cierre y opciones hipoteca
By Edgar DeJesus June 30, 2026
Los créditos del vendedor pueden ayudar a compradores en Florida a reducir el dinero necesario para cerrar, cubrir costos de cierre, reducir gastos prepagados o estructurar una reducción temporal de tasa. Aprende cómo funcionan las concesiones del vendedor para préstamos convencionales, FHA, VA y USDA en Port St. Lucie
Límite de préstamo conforme 2026 para compradores en Florida  Palm Beach Gardens Port St Lucie
By Edgar DeJesus June 29, 2026
El límite de préstamo conforme para 2026 subió a $832,750 en la mayoría de los condados de Florida. Aprende qué significa para compradores en Stuart, Palm Beach Gardens, Palm Beach County, Port St. Lucie, Fort Pierce, Royal Palm Beach y la Costa del Tesoro.
2026 conforming loan limit for Florida homebuyers in Stuart Palm Beach Gardens Port St Lucie
By Edgar DeJesus June 29, 2026
The 2026 conforming loan limit increased to $832,750 for most Florida counties. Learn what this means for buyers in Stuart, Palm Beach Gardens, Palm Beach County, Port St. Lucie, Fort Pierce, Royal Palm Beach, and across the Treasure Coast.