I always joke with clients that getting a mortgage requires them also to sign over their first born child because by the time you are ready to close on your home, they know more about you then you know about yourself! It is important to get pre approval letters because it will make sure you are looking at homes you can afford and when you are ready to make that offer you are prepared and your offer is taken seriously by sellers! Here is what your lender will ask for:
1. Proof of Income
2. Proof of Assets
3. Good Credit
4. Employment Verification
5. Documentation
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