I am a member of Third Federals Passport program and it guarantees me lifetime mortgage approval. So I never have to worry about getting pre-approvals again, even if I am unemployed, as long as I have at least a 15% down payment. And with just 15% down there is no PMI. There are also perks with membership, like they will periodically send you free movie tickets or Ive even received a $50 GC to home depot.
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