Let us show you the easy way home
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.