Getting pre-qualified is a good first step to make sure that I can find a loan for you. Once we've done that, then we will want to take the steps outlined below to get pre-approved.

To get pre-qualified for a loan, I will collect information about your debt, income, and assets. We’ll look at your credit profile and assess goals for a down payment and get an idea of different loan programs that would work for you. I will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.

This is very easy to do! I will need you to gather the following documents to make this process fast and accurate!

1. Income information - if you are a salaried employee, then I will need a current paystub from your employer. If you are self-employed, then I will need the last two years of tax returns.
2. Debt obligations - who do you owe what to? I will need total amount owed and the minimum monthly payment for each debt.
3. Property info - if this is a purchase, what is the address of the new home you want to buy? If this is a refinance, then hopefully you know your current home address!
4. Savings info - how will you be paying for your new home? Any down payment saved? What about reserves?

This will get us started and you will be on your way to being pre-qualified for a new loan.