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Why every home buyer needs a pre-approval before home shopping. Warrantable & non-warrantable condo mortgage rules updated. fannie Mae or Freddie Mac – and that the loan meets the two.
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Why Every Home Buyer Needs A Mortgage Pre-approval Just as you would not go shopping for groceries without cash in your purse/wallet or without knowing you have available credit on your credit card you should also not got shopping for a home without knowing if you have been pre-approved or not for a mortgage.
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What documentation you need. To get pre-approved, you’ll need to provide a mortgage lender with a good amount of paperwork. For the typical home buyer, this includes the following: pay stubs from the past 30 days showing your year-to-date income. Two years of federal tax returns. Two years of W-2 forms from your employer.
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In this article: Before you shop for a home, unless you're paying cash, mortgage pre-approval is your #1 home buying preparation tool.
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