Home Buying Process

A Pre-Approval is often the key to seeing homes for sale. In today's market a Pre-Qual just isn't enough anymore. You need a Pre-Purchase Consultation, which includes a real Pre-Approval, before shopping. A Pre-Approval tells the Selling Agent that we have looked at your financial situation, in depth, and are confident we can provide you with a mortgage.

• Schedule a Pre-Purchase Consultation with us to discuss your goals and options (30-45 minutes).
• We create a MAP (Mortgage Analysis Plan) designed around your specific goals and needs.
• We provide a Pre-Approval to you and your Realtor.

• In order to pull a credit report, we will need:
     Full Names
     Social Security Numbers
     Home Address & Phone Number
• Copy of W2s and tax returns for the last 2 years.
• Copy of 2 months most recent bank statements (all pages please, even if blank).
  Click here if you have to provide internet statements or teller print-outs
• Copy of 1 month most recent pay stubs.

• Provide all pages of bank and asset statements, even if blank.
• If your statements indicate large deposits we will need to have a paper trail showing where the deposits came from and why.
• Stay current on your existing accounts.
• Opt out from the credit bureau lists at www.optoutprescreen.com to protect yourself from potential identity theft and so you aren't bombarded with unsolicited offers after settlement.

• Don't worry about rates yet. When you have a home selected and are at the Application stage, then together we can begin watching for the best time to lock a rate.
• Don't provide teller or internet print-outs for bank statements - we cannot use them.
• Don't apply for new credit when applying for a mortgage. A new debt could change everything.
• Don't close credit card accounts or consolidate your debts onto one card.