Apply for pre-approval
Sellers will only consider offers from pre-approved buyers, because it shows that the buyer has the financial resources available to get a loan and close on the home.
Get quotes from several lenders and go with someone reliable. Read reviews of each lender and consider their responsiveness, transparency, and estimated closing timeline.
If you need some recommendations of lenders who have performed well for past clients, just ask and we can send their contact details to you. We have no financial ties to any of them, and recommendations are made purely on how they have performed for multiple clients.
Your lender will check your credit and ask for all of your financial documents—tax returns, pay stubs, bank statements, credit card statements, student and auto loans, etc. so they can accurately assess your financial situation.
Once you’re pre-approved, don't make any big purchases or life changes, such as changing your job, opening or closing credit cards or buying a car, that could negatively affect your credit score. Lenders like to see stability during the home buying period.