Before you applyClarify your target monthly housing paymentReview recent credit reports for accuracyAvoid opening new debts without discussing the impactOrganize current income and asset records
For documentationGovernment-issued identificationRecent income documentationRecent asset statements with all pagesEmployment and housing historyAdditional business or rental records when applicable
During the home searchSeparate must-haves from preferencesEstimate property-specific taxes and insuranceReview association costs and rulesKeep funds and employment stable
Before closingReview the Loan Estimate and Closing DisclosureComplete requested conditions promptlyVerify final funds and wiring instructions independentlyDo not make unexplained large financial changes