If you’re serious about buying a home, you’ll need a mortgage pre-approval. When you’re pre-approved, you can start the house-shopping process in earnest! A mortgage pre-approval will help you nail down a budget and get you one step closer to owning the home of your dreams. Here’s what we need to start your mortgage loan pre-approval process:
With good credit comes a higher chance of getting the loan you want! Credit history shows that you’re trustworthy and able to pay back loans.
Proof of Assets
To give you a loan, we need to know how much money you have in your bank account, investment accounts, etc.
Proof of Income/Proof of Employment
This shows us that you have a job, and it lets us know how much money you make each month.
We need to know who you are, so we can verify your credit history and other information. So, we’ll ask for a few forms of ID.
Are you ready to take action and get pre-approved? Here’s a list of the documents you’ll need to gather:
You may also need these documents, if the situations are applicable:
Once you have these documents ready to go, you’re all set to get pre-approved for a mortgage! Once you apply for your pre-approval, we’ll quickly respond to you with our decision. Soon, you’ll be able to make an offer on the house of your dreams!