Starting the Home Loan Process

One of the first and most important steps in the home buying process is becoming pre-qualified for a mortgage. Not only does it help keep your home search focused in the right price range, it also assures the seller that you have the funds to close on the home you choose. Fletcher Bright Realty is privileged to work with a number of highly-skilled loan officers who help secure financing for our clients.

You will need to provide the following information to your lender:

• Monthly Earnings
• Monthly Expenses
• Amount in Down Payment Account
• Assets and Liabilities
• Amount of Debt (including credit card)
• Any Upcoming Big Expenses or Windfalls
• Your Ideal Monthly House Payment
• Two Years' Tax Returns
• Three Months' Pay Stubs
• Three Months' Checking Account & Savings Statements
• Three Months' Investment & Retirement Accounts

If you need help finding a lender, your Fletcher Bright Realty agent can help you find one you feel comfortable with and who best suits your needs. Once you are pre-approved, you are ready to start looking for your new home! Contact us to get started today!