Home Financing

 The first step before you start looking for a home to buy, is to get pre-approved for a loan. At this stage, the lender gathers information about income, assets and debts of the borrower to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.