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.
No. All a pre-approval means is that based on the information that you provided the loan officer, they believe that you would qualify for the loan. All a pre-approval is really doing is telling your realtor that you are someone who is serious about purchasing a home and ready to take the proper steps to move forward.