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High-level pre-approval reference for Fannie Mae, Freddie Mac, and FHA Spot Approvals
Pre-Approval Checklist
Mortgage Pre-Approval for Borrowers with No Credit Score
This guide is designed for use before appraisal, title, or underwriting — using only what can be observed or asked upfront.
Two-lane decision guide (Existing Construction) — follow the lane based on loan type
Clear triggers and non-triggers for engineer certifications on manufactured homes
To be completed by the Loan Officer prior to processor handoff
1003 Accuracy & Document Collection
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