We want you to be as prepared as possible when speaking with a lender, so be sure to have access to the following:

 

• A month's worth of your most recent paystubs

• Copies of your federal tax returns and W-2’s from the last two years

• The names and addresses of your employers over the last two years.

• Last three months of bank statements

• The names and addresses of your landlords over the past two years.

• Divorce/separation decree

• Child support papers

• Bankruptcy, discharge of bankruptcy papers

 

 

Once you get pre-approved and you find your dream home, what’s next?

 

• Fill out a mortgage application.

• Get your home appraised.

• Your loan goes through underwriting.

• You are cleared to close!