Purchase a Home

Find out how much you can afford.  Create a budget and figure out what a comfortable monthly payment on a home will be.

Get pre-approved.  Your credit score, debts on credit, income and assets for down payment will be looked at when qualifying you. This is an important step because you want to know with certainty what price range of homes you will be looking at. In addition, you will need a pre-approval letter to make an offer once you find a home and many realtors will want to be sure you are approved before going to bat for you as well.

Pre-approval process:  You will need to give permission to pull credit. You will need to provide information about your income(s), assets, housing payment history as well as corresponding documentation to these items. Your loan officer will give a detailed list.