Before searching for your new home, you are encouraged to review your financial situation and create a budget.

The first step in this process is the Pre-Approval. Your mortgage lender will require certain documents in order to 

qualify you for your loan and to provide a "Pre-Approval".

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• Two most recent pay-stubs

• W-2 forms for the past two years

• Federal Tax Returns for the past two years

• Two most recent bank statements

• Any long-term debt information (credit card balances, auto loans, school loans, etc.)

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In order to expedite the approval process, you should have as much of this information available before

contacting a lender. Without it, they won't be able to provide accurate estimates and eventually, your

Pre-Approval Letter.

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Given the competitive nature of our market, you will want to present the best possible financial picture to

the property sellers. A complete and thorough Pre-Approval Letter from a local lender is an important

component.

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Learn more about mortgages and interest rates from some of our preferred lenders.