Veteran real estate brokers Beverly Kalinka MS, and Dr. Edwin Kalinka, Interview Matthew Ziegert, Producing Manager, of Cardinal Financial, in Sparta New Jersey (NMLS# 1476647), who discusses the difference between a mortgage pre-qualification and a pre-approval; the benefit of locking in your rate before you purchase, and he offers our listeners a special opportunity.

Ed and Bev Kalinka share how buyers can construct competitive offers to separate themselves from the competition,  and the impact interest rates have had on seller and buyer behavior.