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Guide to Pre-Approval, not Pre-Qualification
Before you start looking for a home, be sure to get "pre-approved" by your lender. Remember that "pre-approval" is different from "pre-qualification." With a pre-approved loan, the seller knows that a signed contract and an appraisal are the only things standing between the property and the lender. You, the buyer, have already been taken care of proving yourself financially ready to buy a new home. Having a pre-approved loan is the closest thing to buying with cash and could be the difference between the acceptance of your offer and competing offers.
And after all, it's money, not the possibility of money that does the talking.