So, you're ready to buy your first home... Congratulations!
Your first time navigating through the home buying process can be intimidating. Don't worry, we're here to help!
As independent mortgage loan originators, we specialize in one thing - home loans. We take great care in educating our borrowers whether it's their first home or a refinance on their third home.
A common misconception is that you don't have to talk to a mortgage loan originator until after you've found the home you want. While this may be true when the market is slow, homes have been moving very quickly. The first step is getting pre-approved will save
Pre-approval letters are a great way to separate yourself from other potential buyers because it tells the seller you’re ready and able to purchase a home. Before writing your pre-approval letter, we’ll need a few things from you.
Depending upon your employment scenario, we’ll generally ask you for two forms of identification, like a drivers license and social security number, along with the following:
Proof of Income
Past two years W2s and tax returns
Two most recent pay stubs
Past two years of 1099s (for self-employed borrowers)
Proof of Assets
Two most recent bank statements
Two most recent investment account statements
This documentation allows us to pull your credit report and draw up a pre-approval letter, stating that you’ve got a solid track record of getting paid, paying bills on time, and the ability to repay the home loan.
When you're ready, click the link below to begin your online application and we'll get you pre-approved in no time!