Licentiate is the title of a person who holds an academic degree known as a licence or a licentiate.hile the term licentiate is not generally used by Canadian academic institutions, a Licentiate in Laws (LL.L.) is offered by some Canadian universities for the completion of studies equivalent to a Bachelor of Civil Law.
For insurance rating purposes, the date of construction or date of substantial improvement (the date the permit was issued provided that construction begins within 180 days of the permit date) is utilized to determine if a building is considered pre-FIRM or post-FIRM.
What is a pre-qualification? A pre-qualification is an estimate of how much you can afford in a mortgage payment. It is based upon the information you provide, and is subject to the approval process, including further details such as a credit report, appraisal, and income verification.