for homebuyers
Qualify for a Loan
All of our loans are designed with your safety and protection in mind, but qualifying is only one step in the homebuying process. Our Homebuyer Education classes will help you better understand the entire process of buying and keeping a home. From how to repair your credit and saving for down payment to avoiding loans that are unsafe, our classes prepare you with everything you need to know to make safe, informed decisions.
For your convenience you can complete our online pre-qualification form from the comfort of your home, office or any computer with internet access. Here are some things you will need to have available:
• Your tax returns for the past three years with all schedules and W-2 forms.
• Your two most recent pay stubs, or other proof of employment or income covering at least the past 30 days.
• Your three most recent checking account and savings account statements.
• Your final divorce decree, if applicable.
• A year-to-date profit and loss statement if you are self-employed.
Before applying for a mortgage, we also recommend that you order a free copy of your credit report, available by calling 877 322-8228 or visiting www.annualcreditreport.com.
Your credit history is one of the factors that lenders like us consider when we make a loan. Take the time now to correct any mistakes on your credit report before you apply for a loan. You can order a free copy of your credit report once every 12 months.
All of our loans are designed with your safety and protection in mind, but qualifying is only one step in the homebuying process. Our Homebuyer Education classes will help you better understand the entire process of buying and keeping a home. From how to repair your credit and saving for down payment to avoiding loans that are unsafe, our classes prepare you with everything you need to know to make safe, informed decisions.
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For your convenience you can complete our online pre-qualification form from the comfort of your home, office or any computer with internet access. Here are some things you will need to have available:
• Your tax returns for the past three years with all schedules and W-2 forms.
• Your two most recent pay stubs, or other proof of employment or income covering at least the past 30 days.
• Your three most recent checking account and savings account statements.
• Your final divorce decree, if applicable.
• A year-to-date profit and loss statement if you are self-employed.
Before applying for a mortgage, we also recommend that you order a free copy of your credit report, available by calling 877 322-8228 or visiting www.annualcreditreport.com.
Your credit history is one of the factors that lenders like us consider when we make a loan. Take the time now to correct any mistakes on your credit report before you apply for a loan. You can order a free copy of your credit report once every 12 months.
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