Getting Pre-Approved

Once you have an idea of the type and size home you want and the area you’d like to look in, you need to be pre-approved by a lender. By doing this before looking for a home, you’ll save yourself time, energy and frustration because pre-approval can:

  • Determine how much home you can afford
  • Shows what your total investment will be
  • Lets you know what your monthly payment will be
  • Identifies the loan programs you qualify for
  • Strengthens your offer

In order to be pre-approved, the lender will need to know the following

  • Your employment history and income
  • Your monthly debts and obligations
  • The amount and source of cash available for a down payment and closing costs

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