Get your lender pre-qualification before you start searching for a homeSecuring a mortgage loan isn't as simple as it was just a few years ago. Due to stricter guidelines, there can be several factors that need to be met in order for a buyer to qualify for a loan. This is why I always suggest that buyers speak with a mortgage professional as soon as they begin to even consider purchasing a home. There may be a variety of things that need to be in place before you can qualify. For example, a buyer may need to show that they have had enough funds for down payment and closing costs in their account for a certain amount of time and must have some sort of proof as to where the money originated from, if gift funds are not acceptable per the mortgager's requirements. As I mentioned, it's always best to get all of these things aligned before you search for a home. If you don't, you may stumble upon your dream home but not have the ability to make an offer with out a lender pre-qualification!June 10 2011 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.