First Step

Getting preapproval/prequalified is one of the most important steps in purchasing a home. It’s FREE!


Getting preapproval/prequalified is one of the most important step in purchasing a home.

It’s EASY & FREE! Call today for your FREE pre approval consultation.

We need 5 basic items:

  • Names of Borrower(s)
  • Current Address
  • Social Security Number(s)
  • Two Year Employment History
  • Monthly Gross Income


What not to do:

  • Don’t purchase anything on credit.
  • No new debts!
  • Don’t let anybody pull your credit!
  • Don’t use your credit cards!
  • Don’t quit your job!
  • Don’t make any cash or non payroll deposits!
  • Don’t look at property needing major repairs without consulting with loan officer!

Preapproval Facts:

  • All borrowers must have qualifying credit and income to be able to qualify for a mortgage loan.
  • Different properties may qualify for different mortgage financing. Please consult with a real estate agent and loan officer.
  • Unless you have 20% equity of downpayment, you will be required to escrow for your property taxes and homeowners insurance.


Common Questions:

  • What can you afford as a monthly house payment? Don’t forget about property taxes, homeowners insurance and some programs require monthly private mortgage insurance.
  • Do you have a down payment?
  • Are you working with a buyer’s real estate agent? I highly recommend a buyer’s represenative to help you and provide you the security of purchasing a home. (They are no cost to the buyer)
  • Who would you like to use for your homeowners insurance?
When in doubt call your loan officer and ask!