FDIC-Insured – Backed by the full faith and credit of the U.S. GovernmentPre-qualification Checklist for First Time Home Buyers
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Credit Score
Ensure that you are aware of your credit score and that your credit report does not contain any errors.
Income Verification
Have your income verification documents such as recent pay stubs, tax returns, and W-2 forms for the last two years.
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Employment Verification
Keep the contact information for your employer handy. Lenders often need this to verify employment.
List of Assets
Include anything of value like bank statements, real estate, investments, and vehicles.
List of Liabilities
Accurate information about your current debts, such as car loans, student loans, and credit card debt, is essential.
Budget
Have a clear understanding of your current budget, which involves monthly expenditures.
Pre-approval Letter
Request a pre-approval letter after pre-qualification. This can give you a competitive edge when house hunting.
