Pre-Approval Prep Checklist

Before your call

• Write down your goalsPrice range, areas, timeline, and how long you plan to stay.
• Know your monthly comfort zoneThe payment that lets you still save and live your life.
• Add up your savingsChecking, savings, retirement, and any gift funds.
• List your monthly debtsCar, student loans, credit card minimums, child support.
• Note anything unusualJob changes, gaps, self-employment, past credit events. None of these are automatic deal-breakers.

Questions to ask

• Which loan programs fit my situation, and why?
• Do I qualify for any down payment assistance?
• What will my cash to close look like?
• How quickly can you update my letter for an offer?With me, updated letters are delivered within 24 hours.
• How will you keep me and my Realtor updated?With me, by phone call and email at each milestone.

After you’re pre-approved

• Watch for my call and emailEvery pre-approval comes with a call and an email walking you through your loan options, down payment and estimated monthly mortgage payment.
• Share your letter with your Realtor
• Keep your finances steadyAsk before opening credit, changing jobs or moving large sums.
• Send your loan officer listings you are serious aboutTo check condo, HOA or property issues early.
• Ask for an updated letter for each offer

Notes