Ready to Buy a Home? Here’s How to Get Started!
Buying a home is one of the biggest financial decisions you’ll ever make — and we’re here to guide you every step of the way. Whether you're a first-time buyer or getting back into the market, having the right documents and steps in place can make the mortgage process smoother and faster. Use this checklist to get prepared and confident for your homebuying journey.
Home Mortgage Applicant Starter Checklist
1. Check Your Credit Score
Review your credit reports from all three bureaus and address any errors or negative items.
4. List of Debts and Monthly Expenses
Include student loans, car payments, credit cards, and any other recurring obligations.
7. Get Pre-Approved for a Mortgage
This shows sellers you’re a serious buyer and helps you know what price range to shop in.
2. Gather Proof of Income
- Recent pay stubs (last 30 days)
- W-2s or 1099s (last 2 years)
- Tax returns (last 2 years)
- Proof of any additional income (bonuses, side work, etc.)
5. Proof of Assets
-Bank statements (last 2 months)
-Retirement or investment account balances
-Gift letter (if receiving down payment help from a family member)
8. Find a Trusted Realtor & Lender
Work with professionals who have your best interest in mind and explain every step clearly.
3. Organize Employment History
Lenders will want to see at least 2 years of stable employment.
6. Have a Budget for Your Down Payment & Closing Costs
Know how much you can afford to put down and what you’re comfortable paying monthly.
📌 Pro Tip:
If your credit needs work, don’t worry — we can help you get mortgage-ready through our credit restoration services.
Let’s make your homeownership dream a reality! 🏠✨