Applying  for a Mortgage 

(Important Info + 6 Steps)

Buying a house can be stressful. For first-time homebuyers especially, there is a lot of uncertainty around applying for a mortgage. That is why preparing for and understanding the process can decrease some of the stress of applying for a mortgage.


During the pre-approval, it is a good time to ask questions about what is required by the bank to close on the loan. 

Getting a Property Under Contract

So after you’ve found a home, made an offer that both parties have agreed to, you can move to the next step in applying for a mortgage.


Besides the 1003 Uniform Residential Loan Application, most banks will ask for 2 years of tax returns, 6 months pay stubs, and 3 months of bank statements.


The underwriting process is where the lender seeks to understand you and the property as a borrower and get comfortable giving you a loan.

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