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Your Mortgage Process

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Step 1: Pre-Qualify

Typically, when you are searching for a home the listing agent will ask for a pre-qualification letter. A prequalification is when your lender reviews your income, assets, and credit. This will give you a head start in the process to finding a new home.

Step 2: Application

At this point we should have all your pertinent documentation. By signing the application, we can move forward with the process.

Step 3: Conditions

After the loan is initially approved, there may be conditions that have to be satisfied . This may be additional supporting documentation or brief explanations.

Step 4: Underwriting/ Approval

Once all conditions have been met. Underwriting will issue an approval.

Documentation that we need for a pre-qualification:

 

  • Two most recent and complete tax returns; all schedule (for self-employed borrowers)
  • Two most recent W2's
  • Two most recent pay stubs
  • Most recent and complete bank statements; all pages
  • A copy of your photo ID

Now you are approved and ready to close!