To put it simply, mortgage pre-approval is a more complex process which yields a more secure and specific outcome. When you seek pre-approval for a mortgage, a bank will need to gather and verify a lot of information about your financial state. They will need documentation of your credit history, your pay statements, tax and bank information, and other financial history- similar to the documents they would be collecting upon actually providing you with a home loan. Once they process all of your information, they will provide you with a written pre-approval statement clarifying the amount from them which you can borrow. This document does not absolutely guarantee you the amount pre-approved, but it does give you a relatively secure price-range to set with your Realtor. In addition, having a mortgage pre-approval statement will expedite the process if you eventually decide to request a loan from that bank. Some home sellers will only accept offers from buying candidates who have been pre-approved for a mortgage.
We have already begun to see attacks with automated front ends mining for information and vulnerabilities, combined with artificial intelligence-based (AI) analysis on the back end to correlate the vast amounts of structured and unstructured Big Data they have pilfered. The challenge is these sorts of data-intensive attack strategies require massive amounts of computing power. Which is why cybercriminals are using stolen cloud services and public infrastructure to launch and manage their attack campaigns and refine their malware tools. Security vendors and researchers already use machine learning and sandbox tools to analyze malware to determine whether or not it is malicious. So there is no reason why this same approach can't be used by cybercriminals to automatically map networks, identify targets, determine device or system weaknesses, conduct virtual PEN testing, and then build and launch custom attacks using techniques such as fingerprinting and blueprinting. In fact, we are now seeing the first attempts at automatically generating custom code based on such information in order to more effectively strike at vulnerable targets This isn't science fiction.
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