Get Pre-Qualified for Your Mortgage

Pre-qualification is your essential first step. It tells you how much home you can afford and shows sellers you're a serious buyer. A pre-qualification letter makes your offer significantly stronger in competitive markets.

What You'll Need

• Recent pay stubs (last 2 months) 
• W-2 forms (last 2 years)
• Bank statements (2-3 months) 
• Credit report authorization 
• Employment verification

Understanding Your Numbers

Lenders evaluate your debt-to-income ratio, credit score, and employment history. Most recommend keeping housing costs below 28% of your gross monthly income. Factor in property taxes, insurance, HOA fees, and maintenance when calculating affordability. Pre-qualification typically takes 1-3 days.