DONT GET PRE-QUALIFIED FOR A MORTGAGE BEFORE YOU START TO BUY A HOUSE.

GET PRE-APPROVED.  There is a great big difference in pre-approved and pre-qualified.

If you loan officer only pre-qualifies you, he asks you some questions and based on your answers he 'estimates' the mortgage amount the lending institute 'may' loan you. 
If he pre-approves you, he actually verifies your information by checking your credit and obtaining bank statements, pay stubs, tax information, etc. from you, and can tell you the bank will loan you a specific amount based on this information, subject to underwriting and the property appraisal, etc.
When you make an offer on a NICE home in Land o Lakes and Wesley Chapel and find yourself in a bidding war, your pre-approval holds much more weight than a mere pre-qualification letter.  It says you are a knowledgeable, serious buyer who knows what it takes to successfully close on their home.  You are ready, willing, and able to buy their home, and you are the kind of buyer they want to sell their home to.

For more information on successfully buying a home in the Land o Lakes/Wesley Chapel, FL market please contact me at 813-714-9737 or you can visit my website for more information and my Testimonials.  www.DeeSmithSellsHomes.com