Well te first thing you need to do is set an appointment with a loan officer. Allow him/her an opportunity to review your 2010 & 2011 tax returns, 4 recent pay stubs and 2 recent bank statements.
This is the pre-approval process. Reviewing these documents along with a couple questions will let them know just how much you'll qualify for, or what you need to do in order to qualify for a mortgage. They'll also be able to go over all the mortgage options they have available for you, interest rates, etc.
If you need someone who can meet with you, we have several branches in Queens.
Senior Loan Officer
Sterling National Bank