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Emerito "Ben" Benitez | Hunters Creek Real Estate. – Mortgage brokers, or a lender’s own mortgage counselors can also calculate the same sort of informal estimate for you. Obtaining mortgage "pre-approval" is another thing entirely. It means that you have in hand a lender’s written commitment to put together a loan for you (subject only to the particular house you want to buy passing the lender’s appraisal).