Pre-qualification is an informal way to see how much you may be able to borrow. You can be "pre-qualified" over the phone with no paperwork by telling a lender your income, your long-term debts, and how large a down payment you can afford. Without any obligation, this helps you arrive at a ballpark figure of the amount you may have available to spend on a house. Pre-approval is a lender's actual commitment to lend to you. It involves assembling the financial records and going through a preliminary approval process. Pre-approval gives you a definite idea of what you can afford and shows sellers that you are serious about buying.
To avoid rasing the temperature of a freezer, freeze no more than one-tenth of the appliance’s capacity of food at one time. Also, be sure to cool foods brefore storing in the freezer. To cool hot food quickly, sit the base of the container in a sink half-filled with cold water.