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it's basically on us to make the due diligence and check before going out to the first entity to ask.
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A borrower can seek pre-approval and the lender will know right away if the borrower meets their minimum requirements
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The borrower is asking and trying to persuade the lender to lend him money
The lender has to ascertain the credit risk of a borrower: high, low, medium, etc
Most lenders have certain criteria before they even consider a loan application