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.
Getting pre-qualified is the initial step in the mortgage process, and it's generally fairly simple. You supply a bank or lender with your overall financial picture, including your debt, income and assets. After evaluating this information, a lender can give you an idea of the mortgage amount for which you qualify.