Most first time home buyers have the anxiety of where to even begin. There are several questions running through your mind, you aren’t sure who to call first, or if you even qualify for a home loan. Here are some quick steps that will put you in the right directions:

1. Give us a call! We will see what you are interested in and collect some general information from you to get your file started
2. We will send you this checklist of paperwork to verify what you have already provided us:
   • 2017 and 2018 Federal Tax returns, w’2s, and 1099 statements
   • Most current paystubs covering a 30 day period with no gaps
   • Most recent bank statement totaling 2 months all pages
   • Most recent statements on any investment account (401k, IRA’s, stocks, bonds, CD’s, etc.)
   • Copy of Government issued current/valid ID to confirm your DOB (e.g. Driver’s License)
   • Copy of Social Security Card to confirm your Social Security number
   • DD214 Member’s Copy 4 (active duty), NGB22 (National Guard), NAVMC 78 (Navy and Marine reservists), NAV CG 2510 (Coast Guard) Discharge paperwork from Military time Served
   • Rent Verification (if renting) Contact information for management company, or 12 months cancelled checks for private party landlords
   • If Bankrupt in the last 7 years, complete Bankruptcy and discharge papers (all schedules)
   • If Divorced, Copy of Divorce Decree
   • If you own any additional Real Estate such as a rental property- include; Rental/Lease agreement, insurance policy, most recent county tax statement, and mortgage statement
3.  Send us your documents from the checklist above
4. We will pull your credit with your permission to do so
5. Once we have verified all information and have your credit score we will issue a pre-approval letter for the amount that you can afford to purchase

It is as simple as that! Every pre-approval is different and some might take longer than others, due to more information to verify. But, once you have that pre-approval letter in your hand it is your ticket to look at properties and you are on the right track to becoming a home owner!