{"id":42932,"date":"2017-12-21T15:18:12","date_gmt":"2017-12-21T15:18:12","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/"},"modified":"2026-08-08T03:07:44","modified_gmt":"2026-08-08T03:07:44","slug":"home-buying-basics-pre-approved-vs-pre-qualified","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/","title":{"rendered":"Home-buying basics: &#8216;pre-approved&#8217; vs. &#8216;pre-qualified&#8217;"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Many military families seeking homes find themselves in competitive real-estate markets. Service members heading to installations near San Diego or <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2017\/12\/20\/mixed-news-for-military-homeowners-especially-sailors-in-recent-market-survey\/\" title=\"\" class=\"\" target=\"_blank\">Seattle<\/a>, for instance, may see prices well above what they\u2019re used to, and may need to put in bids in short order if a home catches their eye.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s one of the reasons behind the simple message Travis Winfield, a retired Navy command senior chief-turned-San Diego real estate professional, gives to his prospective clients, including many first-time buyers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThe first piece of advice I give to anybody is to find a reputable lender who can give you a full pre-approval,\u201d said Winfield, who left service in 2016. \u201cThere\u2019s a difference between a pre-approval and a pre-qualification.\u201d<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It may seem like semantics, but it\u2019s not: Heading into a competitive real estate market with a pre-qualification likely won\u2019t get the job done. As one mortgage banker <a href=\"https:\/\/www.realtor.com\/advice\/finance\/pre-qualified-vs-pre-approved-what-mortgage-shoppers-need-to-know\/\" title=\"\" class=\"\" target=\"_blank\">told Realtor.com<\/a>, \u201cI tell most people they can take that pre-qualification letter and throw it in the trash.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s not to say pre-qualification doesn\u2019t serve a purpose. Getting pre-qualified by a lender is a way to gauge how much you can afford to borrow. You provide financial details, and the lender provides an estimate: It\u2019s a good way to get a ballpark figure for your housing search.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But it\u2019s a bad way to enter into a bidding war, especially if other offers are from pre-approved buyers. Pre-approval includes a more thorough review of finances (credit reports, bank statements, pay stubs, and so on) and a specific loan amount. According to Winfield and a handful of other Realtors in high-demand markets, it\u2019s a necessity for serious house-hunting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also a part of the process that can be completed in advance of high-stress, high-speed permanent change-of-station moves. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWe don\u2019t have time to wait until Monday to get pre-approved,\u201d said <a href=\"https:\/\/www.remax.com\/realestateagentoffice\/silverdale-wa-98383-cassandrarowley-id27428439.html\" title=\"\" class=\"\" target=\"_blank\">Cassandra Rowley<\/a>, a sailor-turned-Realtor who specializes in first-time home-buyers and military families in the Seattle area. \u201cMake sure that\u2019s done. \u2026 Any pre-approval works, we just need to make sure you\u2019re pre-approved for a mortgage.\u201d<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to learn more about the process? Check out our <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/\" title=\"\" class=\"\" target=\"_blank\">VA Loan Center<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Heading to a competitive real estate market? Come prepared.<\/p>\n","protected":false},"author":7,"featured_media":37483,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":9,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[9],"tags":[],"coauthors":[799],"class_list":["post-42932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq"],"acf":{"subheadline":"","legacy_arc_id":"NWAERUSFANBI7FQJTHVNFQACSE","arc_canonical_url":"\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Home-buying basics: &#039;pre-approved&#039; vs. &#039;pre-qualified&#039; - Navy Times<\/title>\n<meta name=\"description\" content=\"Heading to a competitive real estate market? Come prepared.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home-buying basics: &#039;pre-approved&#039; vs. &#039;pre-qualified&#039;\" \/>\n<meta property=\"og:description\" content=\"Heading to a competitive real estate market? Come prepared.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/\" \/>\n<meta property=\"og:site_name\" content=\"Navy Times\" \/>\n<meta property=\"article:published_time\" content=\"2017-12-21T15:18:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-08T03:07:44+00:00\" \/>\n<meta name=\"author\" content=\"Kevin Lilley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kevin Lilley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\n\t    \"@context\": \"https:\\\/\\\/schema.org\",\n\t    \"@graph\": [\n\t        {\n\t            \"@type\": \"Article\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#article\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/\"\n\t            },\n\t            \"author\": {\n\t                \"name\": \"migration\",\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/person\\\/cc76c831bb37a926738c8391fca7a3b1\"\n\t            },\n\t            \"headline\": \"Home-buying basics: &#8216;pre-approved&#8217; vs. &#8216;pre-qualified&#8217;\",\n\t            \"datePublished\": \"2017-12-21T15:18:12+00:00\",\n\t            \"dateModified\": \"2026-08-08T03:07:44+00:00\",\n\t            \"mainEntityOfPage\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/\"\n\t            },\n\t            \"wordCount\": 367,\n\t            \"commentCount\": 0,\n\t            \"publisher\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#organization\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#primaryimage\"\n\t            },\n\t            \"thumbnailUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/636044610832169835-consumer-watchjpg.jpg.jpg\",\n\t            \"articleSection\": [\n\t                \"Home HQ\"\n\t            ],\n\t            \"inLanguage\": \"en-US\",\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"CommentAction\",\n\t                    \"name\": \"Comment\",\n\t                    \"target\": [\n\t                        \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#respond\"\n\t                    ]\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"WebPage\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/\",\n\t            \"name\": \"Home-buying basics: 'pre-approved' vs. 'pre-qualified' - Navy Times\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#website\"\n\t            },\n\t            \"primaryImageOfPage\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#primaryimage\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#primaryimage\"\n\t            },\n\t            \"thumbnailUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/636044610832169835-consumer-watchjpg.jpg.jpg\",\n\t            \"datePublished\": \"2017-12-21T15:18:12+00:00\",\n\t            \"dateModified\": \"2026-08-08T03:07:44+00:00\",\n\t            \"description\": \"Heading to a competitive real estate market? Come prepared.\",\n\t            \"breadcrumb\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#breadcrumb\"\n\t            },\n\t            \"inLanguage\": \"en-US\",\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"ReadAction\",\n\t                    \"target\": [\n\t                        \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/\"\n\t                    ]\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"ImageObject\",\n\t            \"inLanguage\": \"en-US\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#primaryimage\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/636044610832169835-consumer-watchjpg.jpg.jpg\",\n\t            \"contentUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/636044610832169835-consumer-watchjpg.jpg.jpg\"\n\t        },\n\t        {\n\t            \"@type\": \"BreadcrumbList\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2017\\\/12\\\/21\\\/home-buying-basics-pre-approved-vs-pre-qualified\\\/#breadcrumb\",\n\t            \"itemListElement\": [\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 1,\n\t                    \"name\": \"Home\",\n\t                    \"item\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/\",\n\t                    \"ad_zone\": \"home\"\n\t                },\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 2,\n\t                    \"name\": \"Home HQ\",\n\t                    \"item\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/\",\n\t                    \"ad_zone\": \"home-hq\"\n\t                },\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 3,\n\t                    \"name\": \"Home-buying basics: &#8216;pre-approved&#8217; vs. &#8216;pre-qualified&#8217;\"\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"WebSite\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#website\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/\",\n\t            \"name\": \"Navy Times\",\n\t            \"description\": \"Independent News For Sailors | Navy Times\",\n\t            \"publisher\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#organization\"\n\t            },\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"SearchAction\",\n\t                    \"target\": {\n\t                        \"@type\": \"EntryPoint\",\n\t                        \"urlTemplate\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/?s={search_term_string}\"\n\t                    },\n\t                    \"query-input\": {\n\t                        \"@type\": \"PropertyValueSpecification\",\n\t                        \"valueRequired\": true,\n\t                        \"valueName\": \"search_term_string\"\n\t                    }\n\t                }\n\t            ],\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Organization\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#organization\",\n\t            \"name\": \"Navy Times\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/\",\n\t            \"logo\": {\n\t                \"@type\": \"ImageObject\",\n\t                \"inLanguage\": \"en-US\",\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/logo\\\/image\\\/\",\n\t                \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/navy-logo-white.png\",\n\t                \"contentUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/navy-logo-white.png\",\n\t                \"caption\": \"Navy Times\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/logo\\\/image\\\/\"\n\t            }\n\t        },\n\t        {\n\t            \"@type\": \"Person\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/person\\\/cc76c831bb37a926738c8391fca7a3b1\",\n\t            \"name\": \"migration\",\n\t            \"image\": {\n\t                \"@type\": \"ImageObject\",\n\t                \"inLanguage\": \"en-US\",\n\t                \"@id\": \"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=gcf4cb6ee0ec29e49e7a963234e4340ec\",\n\t                \"url\": \"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g\",\n\t                \"contentUrl\": \"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g\",\n\t                \"caption\": \"migration\"\n\t            },\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/author\\\/migration\\\/\"\n\t        }\n\t    ]\n\t}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Home-buying basics: 'pre-approved' vs. 'pre-qualified' - Navy Times","description":"Heading to a competitive real estate market? Come prepared.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Home-buying basics: 'pre-approved' vs. 'pre-qualified'","og_description":"Heading to a competitive real estate market? Come prepared.","og_url":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/","og_site_name":"Navy Times","article_published_time":"2017-12-21T15:18:12+00:00","article_modified_time":"2026-08-08T03:07:44+00:00","author":"Kevin Lilley","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kevin Lilley","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#article","isPartOf":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/"},"author":{"name":"migration","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/person\/cc76c831bb37a926738c8391fca7a3b1"},"headline":"Home-buying basics: &#8216;pre-approved&#8217; vs. &#8216;pre-qualified&#8217;","datePublished":"2017-12-21T15:18:12+00:00","dateModified":"2026-08-08T03:07:44+00:00","mainEntityOfPage":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/"},"wordCount":367,"commentCount":0,"publisher":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#organization"},"image":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#primaryimage"},"thumbnailUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/636044610832169835-consumer-watchjpg.jpg.jpg","articleSection":["Home HQ"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/","url":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/","name":"Home-buying basics: 'pre-approved' vs. 'pre-qualified' - Navy Times","isPartOf":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#website"},"primaryImageOfPage":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#primaryimage"},"image":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#primaryimage"},"thumbnailUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/636044610832169835-consumer-watchjpg.jpg.jpg","datePublished":"2017-12-21T15:18:12+00:00","dateModified":"2026-08-08T03:07:44+00:00","description":"Heading to a competitive real estate market? Come prepared.","breadcrumb":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#primaryimage","url":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/636044610832169835-consumer-watchjpg.jpg.jpg","contentUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/636044610832169835-consumer-watchjpg.jpg.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2017\/12\/21\/home-buying-basics-pre-approved-vs-pre-qualified\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/one.sightlinemg.com\/navytimes\/","ad_zone":"home"},{"@type":"ListItem","position":2,"name":"Home HQ","item":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/","ad_zone":"home-hq"},{"@type":"ListItem","position":3,"name":"Home-buying basics: &#8216;pre-approved&#8217; vs. &#8216;pre-qualified&#8217;"}]},{"@type":"WebSite","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#website","url":"https:\/\/one.sightlinemg.com\/navytimes\/","name":"Navy Times","description":"Independent News For Sailors | Navy Times","publisher":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/one.sightlinemg.com\/navytimes\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#organization","name":"Navy Times","url":"https:\/\/one.sightlinemg.com\/navytimes\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/logo\/image\/","url":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/06\/navy-logo-white.png","contentUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/06\/navy-logo-white.png","caption":"Navy Times"},"image":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/person\/cc76c831bb37a926738c8391fca7a3b1","name":"migration","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=gcf4cb6ee0ec29e49e7a963234e4340ec","url":"https:\/\/secure.gravatar.com\/avatar\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g","caption":"migration"},"url":"https:\/\/one.sightlinemg.com\/navytimes\/author\/migration\/"}]}},"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Navy Times","distributor_original_site_url":"https:\/\/one.sightlinemg.com\/navytimes","push-errors":false,"jetpack_featured_media_url":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/636044610832169835-consumer-watchjpg.jpg.jpg","_links":{"self":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts\/42932","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/comments?post=42932"}],"version-history":[{"count":3,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts\/42932\/revisions"}],"predecessor-version":[{"id":90222,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts\/42932\/revisions\/90222"}],"wp:attachment":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/media?parent=42932"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/categories?post=42932"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/tags?post=42932"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/coauthors?post=42932"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}