This is the FIRST step.

You can not make an offer on a home without providing the Seller a letter from a reputable Lender stating that you are pre-qualified.

Put yourself in the shoes of the Seller. Would you want to pull your home off the market without reasonable assurance that the Buyer’s financing is solid?

After a brief phone conversion or online application, a Lender can give you an estimate of how much home you can afford, so that you can begin shopping. But you will need to gather the following to provide your Lender:

• Recent 2-months’ bank statements
• Recent 2-months’ pay-check stubs
• Last 2 years’ tax returns

Now, if you shop for six months, you’ll obviously need to provide the Lender updated bank statements and paycheck stubs, but this will get you started.

My daughter and her husband purchased their first home with Lori’s assistance. Lori was extremely helpful from start to finish. She helped them find a great home in a great neighborhood. When you’re looking for a Realtor, I highly recommend you interview Lori.
 ~ Michael Howell, Tulsa Dad

Also your Lender will advise you what to do (or what NOT to do) during the qualifying process, such as not opening new accounts or paying down certain accounts. Each circumstance is different, and a good Lender will walk you through this.

I strongly recommend that you use a LOCAL Lender and am happy to refer you to some!