Buying a home

Bringing Buyers and Sellers together for over 10 Years!

First things first, You need to get Financing

A pre-approved mortgage will increase your chance of getting the best deal when you buy your home. Here are some things to consider when you start this process:

  • Set an appointment with a trusted mortgage professional.
  • Get a good faith estimate breakdown of your mortgage which includes an estimate of the interest rate and payment.
  • Use your good faith estimate to do some comparison shopping with other mortgage providers.

Save thousands by comparing loans from different banks. Don't just take the first offer you get. A pre-approved mortgage also helps keep you from shopping out of your price range and allows you to make an instant offer if you find that perfect home.

Keep in mind that a pre-approval is not the same as a pre-qualification, which is a very loose estimate based on many hypotheticals. A pre-approval is more involved and gives you a concrete loan amount that the bank has approved for you.

Here are a few things you will need before you get pre-approved:

  • A copy of your most recent bank statements (checking, savings, and other accounts)
  • Proof and balance of any retirement accounts (401k, IRA, etc.), mutual funds and stocks
  • Most recent W-2
  • Most recent paystub from your employer
  • Driver's license