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1.  Assuming you qualify, or don’t qualify, for a loan.   There are many things we consider when determining whether to lend to a potential home buyer.  What you read in the newspaper regarding requirements is not necessarily true.  What one loan officer tells you is their policy, is not necessarily the universal policy for…

After you purchase your home, you’re going to start receiving annual property tax bills.  A copy of the bill will also be sent to your lender if you are escrowing your property taxes.  Many people, when seeing their assessments rise, will want to appeal their taxes.  Most jurisdictions will want you to appeal within 30-45…

1. Photo ID 2. A month’s worth of paystubs if applicable 3. Two years of federal tax returns and W2s or 1099s 4. Two month’s worth of bank statements or investment accounts.  If you receive quarterly statements, the last quarterly statement is fine.

You and the agent you are working with do not want to spend time looking in the wrong price range.  Or, if you need credit repair, you and the agent wouldn’t want to look at inventory now when you won’t be ready to purchase for another few months.   The first step to a pre-approval…

The first step is to speak to your loan officer.  You’ll want to know the following: 1. Your gross income 2. Your available cash for a down payment 3. Your monthly debts 4. Potential locations and types of properties you are interested in   By providing us with your income/assets/debts, we are able to determine…