Buyer
Resources

OUR DEEP ROOTS IN OUR COMMUNITY ARE WHAT MAKE US YOUR LOCAL EXPERTS.

THE 10 NO-NO'S WHEN BUYING A HOME

DO NOT:

CHANGE JOBS, BECOME SELF-EMPLOYED, OR QUIT YOUR JOB

DO NOT:

USE CREDIT CARDS EXCESSIVELY OR LET CURRENT ACCOUNTS FALL BEHIND

DO NOT:

OMIT DEBT OR LIABILITIES FROM YOUR LOAN APPLICATION

DO NOT:

ORIGINATE ANY INQUIRIES INTO YOUR CREDIT

DO NOT:

CHANGE BANK ACCOUNTS

DO NOT:

BUY A CAR, TRUCK, OR VAN

DO NOT:

SPEND MONEY YOU HAVE SET ASIDE FOR CLOSING

DO NOT:

BUY FURNITURE

DO NOT:

MAKE LARGE DEPOSITS WITHOUT CHECKING WITH YOUR LOAN OFFICER

DO NOT:

CO-SIGN A LOAN FOR ANYONE

WHY DO YOU NEED A PRE-APPROVAL?

Look for your dream home with confidence, with a document that backs you up!

Getting a pre-approval: the process of viewing income, expenses and borrower's credit score.

INFORMATION NEEDED BY THE LENDER TO GET A PRE-APPROVAL:

Full Name

Date of Birth

Current Address

Social Security Number

Assets for Down Payment

Bank Account Balance

Employer Information

Income

PRE-APPROVAL CHECKLIST

Copy of your I.D.'s

2 most current paycheck stubs (covering 30 days)

Last 2 years of W2's or 1099's

Last 2 years Tax Returns (all pages)

Copy of your most current 2 months bank statements including checking and savings or any other account being used for down payment

If self-employed or have a business need last 2 years of business tax returns (all pages)

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