This is a vital step in the home buying process. Sellers expect to see that you are pre-qualified before they will even consider your offer, especially in a bidding war! We will recommend some excellent, local lenders who will give you a competitive edge over other buyers. Your lender will do a full review, discuss different financing options, and provide you with an estimate of costs to purchase your new home. You will need to provide paperwork such as 2 recent pay stubs, W-2’s, 2 months of bank statements, and tax returns from the last 2 years. Your lender will provide us with a Pre-Approval Letter & a Closing Estimate which includes a breakdown of your down payment, monthly payment, and all of the closing costs.