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.
Pre-approval does not mean the bank guarantees you the loan. It just means that you're approved to get loan -- unless something goes wrong.Commitment to the loan generally comes after the bank has had the house in question appraised to make sure the price you're paying isn't higher than the home's market value.oan shopping is as intricate a process as house shopping, and the terminology is often confusing. The terms pre-qualification and pre-approval sound like the same thing, but they're not. And in fact, neither pre-qualification nor pre-approval means a bank actually has to give you the loan.