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Getting Pre-Approved

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Don’t miss out on the perfect home

Get pre-qualified before you start your home search. Find out exactly how much you can afford and also show sellers and agents that you’re a serious shopper. 

Get Pre-Approved 

Speak with a Loan Consultant >>

[/wp_rem_cs_column][/section][section title_sub_title_alignment=”center” wp_rem_cs_section_background_option=”section-custom-background-image” wp_rem_cs_section_bg_image=”https://myenclave.com/wp-content/uploads/2017/11/Topographic-Background.jpg” wp_rem_cs_section_bg_image_position=”repeat center / cover” wp_rem_cs_section_video_mute=”yes” wp_rem_cs_section_video_autoplay=”yes” wp_rem_cs_section_padding_top=”60″ wp_rem_cs_section_padding_top_mobile=”0″ wp_rem_cs_section_padding_bottom=”30″ wp_rem_cs_section_padding_bottom_mobile=”0″ wp_rem_cs_section_border_color=”#e0e0e0″ wp_rem_cs_section_margin_top=”0″ wp_rem_cs_section_margin_top_mobile=”0″ wp_rem_cs_section_margin_bottom=”0″ wp_rem_cs_section_margin_bottom_mobile=”0″ wp_rem_cs_section_nopadding=”yes” wp_rem_cs_section_parallax=”yes” wp_rem_cs_section_nomargin=”yes” wp_rem_cs_section_view=”container” wp_rem_cs_sidebar_left=”blog-sidebar” wp_rem_cs_sidebar_right=”blog-sidebar” wp_rem_cs_sidebar_left_second=”blog-sidebar” wp_rem_cs_sidebar_right_second=”blog-sidebar”][icon_box icon_box_element_size=”100″ wp_rem_cs_var_icon_boxes_title=”The pre approval process” wp_rem_cs_var_icon_boxes_element_sub_title=”Pre-approval requires some paperwork. You’ll want to gather your most recent information since documents typically expire after 60 days. Keep in mind that your Loan Consultant may request additional documentation for different kinds of loans.” wp_rem_cs_var_icon_boxes_element_alignment=”align-center” wp_rem_cs_var_icon_box_icon_size=”icon-2x” wp_rem_cs_var_icon_box_view=”boxed” wp_rem_cs_icon_box_content_align=”top-center” wp_rem_cs_var_icon_box_column=”3″ wp_rem_res_large_device_hide=”no” wp_rem_res_medium_device_hide=”no” wp_rem_res_sm_device_hide=”no” wp_rem_res_xs_device_hide=”no” ][icon_boxes_item wp_rem_cs_var_icon_box_title=”1. Personal and residential history” wp_rem_cs_var_icon_boxes_icon=”icon-building” wp_rem_cs_var_icon_boxes_icon_group=”default” wp_rem_cs_var_icon_box_icon_type=”icon” ][/icon_boxes_item][icon_boxes_item wp_rem_cs_var_icon_box_title=”2. Employment and income” wp_rem_cs_var_icon_boxes_icon=”icon-09″ wp_rem_cs_var_icon_boxes_icon_group=”default” wp_rem_cs_var_icon_box_icon_type=”icon” ][/icon_boxes_item][icon_boxes_item wp_rem_cs_var_icon_box_title=”3. Assets and debts” wp_rem_cs_var_icon_boxes_icon=”icon-bill” wp_rem_cs_var_icon_boxes_icon_group=”default” wp_rem_cs_var_icon_box_icon_type=”icon” ][/icon_boxes_item][/icon_box][wp_rem_cs_column flex_column_element_size=”33″ wp_rem_var_column_align=”align-left” wp_rem_cs_var_column_top_padding=”20″ wp_rem_cs_var_column_bottom_padding=”20″ wp_rem_cs_var_column_left_padding=”20″ wp_rem_cs_var_column_right_padding=”20″ wp_rem_cs_var_column_bg_color=”#000000″ wp_rem_res_large_device_hide=”no” wp_rem_res_medium_device_hide=”no” wp_rem_res_sm_device_hide=”no” wp_rem_res_xs_device_hide=”no” ]

  • Photo ID

  • Home address for the last two years

  • Landlord’s name and address for the last two years (if renting)

  • Copies of rent or utility checks (if renting)

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  • Pay stubs and employer’s name (if collecting a paycheck)
  • Profit and loss statement or 1099 forms (if self-employed)
  • Tax returns from the last two years
  • Social Security, disability, alimony and more

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  • List of bank and investment statements, plus statements/titles for automobiles or real estate
  • Lease agreement (if renting your current residence)
  • Bankruptcy discharge papers
  • A complete list of debts, such as credit cards, student loans, support payments and more

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Have you had situations in the past thathave put blemishes on your credit? Some lenders will work with you to find a credit solution.They have special programs and financing options that allow you to get a mortgage evenwith minor credit blemishes. However, it is in your best interest to keep your credit report ingood standing. 

Here are some helpful hints for your credit report: 

  • Never go over 90 days past due on any accounts
  • Keep your credit card debt below 50% of your monthly obligations 
  • If paying bills after the due date, always pay within the grace period

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