Before you start looking for a home to purchase, it is always best to make sure you know how much you will be able to qualify for.

We can help you determine a maximum purchase price, estimated monthly payment, as well as, estimated funds needed to purchase a home.

Once that is determined and you feel comfortable with a purchase price, we then prepare a pre-approval letter to present to your real estate agent, as well as, sellers. With this letter, you will feel more confident in making an offer on a home and sellers will feel more confident in accepting your offer.



FHA or Conventional Financing   (Primary, Second Home or Investment)

• Review of Credit (we send you the authorization form to allow us to review)
• Recent pay stubs covering 30 days, if wage earner
• W2s and/or 1099s received in the last 2 years
•  If Self-Employed, Personal AND Business tax returns filed in the last 2 years
• Last 2 months bank statements for funds to close and reserves needed

Bank Statement Program   (Primary, Second Home or Investment)

• Review of Credit (we send you the authorization form to allow us to review)
• Last 12 months of personal or business bank statements for income
• Last 2 months bank statements for funds to close and reserves needed

Foreign National Program   (Investment Only)

• Copy of Passport
• Copy of VISA
• Last 2 months of bank statements for funds to close and reserves needed

DSCR Purchase Program   (Investment Only)

• Review of Credit (we send you the authorization form to allow us to review)
• Last 2 months of bank statements for funds to close and reserves needed

No Income Program   (Primary Home or Second Home Only)

• Review of Credit (we send you the authorization form to allow us to review)
• Last 2 months of bank statements for funds to close and reserves needed