It only takes 3-4 days to raise your fico scores to qualify for programs, rates and terms as necessary. You will need to gather one month pay stubs, two month bank statements, 2011 and 2012 W2's 1099's and tax returns, copies of your drivers license and social security cards for each applicant. Once these documents are received you can then be issued a pre-approval letter to begin searching for looking at and submitting offers on homes of your choice. You can be in a home of your choice within 30-45 days. Here is a Trulia blog.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
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You should talk to any local lender (bank, credit union, mortgage broker) regarding your financial situation to see if you can be pre-approved.
I would be happy to recommend someone to you if you need it.
Just send me an email to JamieTian@RodeoRE.com or give me a call at (310) 717-1321 and I would be happy to send their contact info to you.
I've written a best selling book called Buying a Home: Don't Let Them Make a Monkey Out of You. It'll teach you how to buy a home without getting ripped off Follow the link below.
Best of luck!
562 335 7968
Congratulations on the first step to getting a new home. If you are interested I have several people that I would love to recommend to you. Feel free to contact me at any time if interested. Good luck on your home search journey!
Ricky Smiles Jr.
BRE # 01940776
First of all you have to consider your financial situation. You need to have a good credit score, very low debt, have a stable income with verification and of cause you need to have money for down payment. In order to put an offer on the house, you need to get a pre-approved letter from your mortgage broker. You can find mortgage brokers online or go to the local bank because they usually have loan department.
You can start directly with you personal bank where you have a checking or savings account. Or my office has an in house lender who can assist you right away.
If you would like me to help you directly call me at 424-777-3930 or email me at email@example.com.
I look forward to assisting you.
Congrats on deciding to buy a home of your own!!!!
I have a great lender who has assisted my clients. Shoot me an email and I will be happy to provide you with her contact info.
You could also start with the bank or credit union where you do your personal banking.
I wish you the very best!!!!
Kawain Payne, Realtor
Congratulations on taking your fist step as a house hunter!
I would recommend you to talk to a local lender to get a very thorough pre-qualification (as close as possible to pre-approval) with all the documents that need to be verified. This way, you will be better prepared to make the offer in timely manner when you find the house you want, and there won't be any surprises or delays.
Generally the following documents are required by the lenders for pre-approval:
1. Copies of Federal portion of your tax returns including ALL schedules for two recent years.
2. Copies of W2â€™s and/or 1099â€™s for two previous years. (If applicable please provide any K-1â€™s)
3. If Applicable, need copies of Corporate returns (1120) or Partnership returns (1065-if ownership exceeds 25%) for same years.
4. Copies of most recent 1 month worth of paystubs showing what YTD income.
5. Copies of 2 most recent bank statements for down payment, closing costs, reserves and to show strength. This can be from Checking, Savings, Investment or retirement accounts. Please send ALL pages of each mailed statements or â€œe-statementsâ€, no online printouts will be acceptable.
6. Credit Report - since you are at pre-qualification stage, if you have a recent credit report. When the time comes for you to get pre-approval, you will need to sign a form to allow your loan broker to run your credit.
Good luck on your journey to becoming a home owner! Happy house hunting!
You have many options to get your financing going...there is your regular bank, your credit union and of course our in house lender. If you need help I can introduce you to our preferred lender and they can work it out for you what it is you need to complete your financing. Feel free to contact me so I can get you in touch with them.
Sellstate Preferred Properties
What area area you searching to buy a home? I can give you three lenders to choose from to get you started in order to determine your price range. Then we can take it from there.
Clint Lohr, Keller Williams World Media Center, 818-730-8635
If I can be of any help shopping for your dream home after the fact, I am a phone call away! 626.975.9998.
LARE Network ERA
Try Chris Hendricks at (818) 655-6066 or email him at firstname.lastname@example.org. Great guy, will definitely take good care of you. Then call or email me for your realty needs! email@example.com. I specialize in the SFV.
Call Bruce Nangle at First Capital Mortgage 818-528-3033. He is an awesome broker who will explain everything that you need to get started and answer any questions you may have. Bruce always makes sure that you understand what is going on every step of the way.
If you need assistance looking for a home. I specialize in the San Fernando Valley and would be happy to assist you. Just click on "Contact" under my photo.
Good start. Feel free to covtact me and I will give you a mortgage broker. Then, I may help you find a property that you'd like. My email is firstname.lastname@example.org.
Direct phone: 818-903-2040