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Get Pre-Qualified
You can save yourself time and trouble by making certain you are looking in the correct price range.
Before house hunting you may prefer to meet with a mortgage professional to determine in advance how much you can afford and the mortgage amount for which you can qualify. This step is called "pre-qualification".
What you need to get started:
1. Your bank account numbers and the address of your bank branch, along with checking and savings account statements for the previous 2-3 months.
2. Proof of employment and income verification - Some examples are: Pay stubs, W2 withholding forms, tax returns for two years.
3. Proof of payment history and revolving debt - Some examples are: Credit Card bills for the past few billing periods, or canceled checks for rent or utility bill payments.
4. Information on other consumer debt - Such as car loans, furniture loans, student loans, and retail credit cards.
5. If you are self-employed - Balance sheets and tax returns
6. Any gift letters - If you are using a gift from a parent or relative or other organization to help pay the down payment and/or closing costs. (This letter simply states that the money is in fact a gift and will not have to be repaid).