Profile picture for VickeyLewis

how do I go about pre-qualifying . im in Georgia

  • October 07 2013 - Dahlonega
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Answers (6)

Profile picture for Alan Grizzle

Ask a local Realtor who are the best lenders in the area you are planning on buying the home in. I find things usually go much better when using someone from the area. 



  • October 27 2014
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It's actually a pretty simple process. My biggest tip: Make sure your loan officer is experienced. I'm sure you can find a great one through the Zillow "Find a Pro" tab at the top.

I wrote a recent blog post [Promotion and multiple hotlinks removed by Zillow moderator. Please see our Good Neighbor Policy.]
  • October 09 2013
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Hi,

    I am a senior banker at a federal bank, specializing in purchases. I can help you get preapproved to buy a home in about 10 minutes. We just need your basic income/financials plus calculation of debt ratio, to see what you are approved up to. Then you will be on your way to putting an offer in on a home. Contact me through my profile, thanks!

Kris
  • October 08 2013
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First, I recommend you speak with a lender to apply for a loan and prequalify. When you apply for a loan, lenders like myself will need to look at several different things if you are trying to prequalify for a loan.

1) Proof of income for each person that will be on the mortgage which can be demonstrated through: one month of pay stubs, previous year's W-2 forms and tax returns, official documentation to demonstrate other forms of income (alimony, child support, etc.), and two year's tax returns if self-employed (all schedules, all pages)
2) Credit Report which they will pull
3) Employment History or Business Tax Returns if you're Self Employed
4) Personal assets such as: Recent balances and statements for bank accounts, most recent account statement demonstrating market value of any investments (stocks, bonds or certificates of deposit), documentation showing interest in retirement funds, face amount and cash value of life insurance policies, value of significant pieces of personal property, debt information, the balances and account numbers of your current loans and debts, including car loans, credit card balances and any other loans you may have.

These are just a few things you should have ready when you begin your buying process. If you have any other questions or need a loan please contact me through the information on my profile page. I hope this helps and good luck!
  • October 08 2013
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I am a local [deleted by Zillow moderator.  Please see our Good Neighbor policy for posting guidelines]
  • October 07 2013
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I can help you get prequalified for mortgage financing, I am a nationwide lender.  Please contact me though my profile.

Regards,
Brynn
  • October 07 2013
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