Want To Buy Or Refinance A Home?

See how much you qualify for in 60 seconds or less.

Buy A Home

Refinance

Work with a local Mortgage Expert.

Not a Faceless Mortgage Company.

Purchasing a home or refinancing can seem overwhelming, but starting the mortgage process is simpler than you think! Here’s a step-by-step guide to get you on the path to homeownership:

STEP 1

Gather Your Financial Documents

Before you begin, it’s essential to have your financial documents ready. These include:

Recent pay stubs (last 30 days)
W-2 forms (last 2 years)3
Tax returns (if self-employed or required by your lender)4
Bank statements (last 2 months for all accounts)5
Proof of assets (e.g., retirement accounts or investments)6
Identification (driver’s license or social security number)

Having these documents prepared speeds up the process and helps your mortgage professional provide an accurate assessment of your financial situation.

STEP 2

Get Pre-Approved for a Loan

Pre-approval is a crucial step in the mortgage process. It gives you a clear understanding of:

How much you can afford
The types of loan programs available to you
Your estimated monthly payment

To get pre-approved, a lender will review your credit score, income, debt-to-income ratio, and financial documents. A pre-approval letter not only gives you confidence as a buyer but also makes your offer more appealing to sellers.

STEP 3

Determine Your Budget and Explore Loan Options

With your pre-approval in hand, you’ll work with your mortgage advisor to:

Set a comfortable budget for your home purchase.
Review different loan programs, such as conventional loans, FHA loans, VA loans, or refinancing options, to find the best fit for your needs.