Here are a few tips to help your loan process go quick and smooth

* Make sure your credit is in good shape.

* Check your credit score with a mortgage professional.

Excellent credit: 750+

Good credit: 700-749

Fair credit: 640-699

* Try to lower your credit card balances.

* It’s best to have at least three open and active accounts listed on your credit report.

* If you’re renting, pay by check.

* Having documented proof of your last 12 months of payments is often required by the lender.

* Don’t worry about digging up old pay stubs, bank statements and tax returns.

* We automatically verify income, assets and tax returns for you.

* Be prepared to explain any gaps in employment.

* Avoid large deposits or withdrawals from your bank account.

* Determine a down payment amount based on your available funds.

* Obtain a pre-approval letter from an independent mortgage professional.

* Research a local real estate agent.