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For your convenience click on the PDF Icon below to print your desired document checklist. Also, print the borrower authorization form, then sign and email to your loan officer. This will give him authorization to access your credit profile and review the report with you.

Review Your Credit

Review your credit history with Equifax, Experian and TransUnion or authorize your loan officer to pull your credit.  Your credit report will Identify your credit scores, inform you of your debt obligations including monthly installment and revolving payments needed to calculate your debt to income ratios. If you have credit issues, don't worry! Now is the time to resolve outstanding financial issues which may have negatively impacted your credit scores. Your loan officer will discuss this with you in detail.

Gather the documents you'll need to begin your loan application: 30 days of pay stubs, bank statements or asset accounts and personal(1040's) tax returns signed, including all schedules for the past two years. A detailed list is provided for you at the bottom of this page. Click the button below and print out the checklist.

Loan Options

Meet with a loan officer to determine which loan options make the most sense for you. Do you qualify for a government loan program, such as FHA, VA or USDA? Work with your loan officer to get pre-approved for the loan; this lets sellers know you are a serious home buyer.

Now that you know what loan amount you are pre-approved for, consider how much you are willing to pay in monthly mortgage payments. Use our online calculator to help you establish this price range. Set Shopping Priorities. Determine your "wants" versus your "musts" for your new home. For instance, is there a minimum square footage, bathroom or lot size that you are expecting?


Find a Property

Look at properties in your price range and explore neighborhoods to see what you like - and what you don't like.Research past home sales around the properties you prefer to determine if they are gaining value each year. Investigate the community and school district to see if this is where you could see yourself living long-term.  Begin Shopping. Meet with local real estate agents to see who you might like to work with.  Visit open houses in your preferred shopping areas or schedule private showings.

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