Please note - any one of these lenders will have much more comprehensive information regarding getting pre-approved.  If you are ready to get the home buying process started and have not yet been pre-approved, I recommend starting there.

There are a number of documents you will need to gather for your lender and loan officer. A loan officer or lender will need to review these documents in order to understand what your qualifications are for getting a loan as well as helping you understand which loan programs best suit you and your financial plans. 

Income Verification:

Names and address of all your employers for the last two consecutive years, and supporting documents verifying income figures

Debt Verification:

Any car, student, mortgage, home equity, loans, bankruptcy proceedings, credit card accounts, divorce decrees and separations agreements

Asset Verification:

All savings, checking, mutual fund, IRA, 401k, security accounts. Also Bank statements and and gift letters if you are receiving funds from family or friends.

Other Documentation:

A list of the past 2 years of addresses, social security number, last two years of tax returns and a loan application. Once you have supplied your loan officer all this documentation they will determine how much you can afford as well as go over the costs of that loan.  During the home buying process ask any questions that arise, be sure to make all your payments on time, and if you do not have an insurance representative, let me know and I can help you find one.


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