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Home Financing Library

Your Initial Meeting with a Mortgage Professional

The loan approval process generally begins with a conversation where you and a loan officer discuss your financing needs. You can send information to your mortgage professional before the meeting to verify your income and long term debts. You may want to get a pre-approval before house hunting to determine in advance how much you can afford and to ensure the seller knows your offer is solid. To complete a mortgage application, you may need:

  • A purchase contract for the house (if you have one)
  • Information to obtain your credit report
  • Pay stubs, W‐2's and possibly full tax returns for income documentation
  • Bank and asset statements for verification of liquid and retirement savings
  • Any other necessary information based on your individual situation; for example, business tax returns, current real estate holdings, etc.

Once this information is received, you’ll confidently be able to look for your new home.