In most cases, agents will not accept an offer without a pre-approval letter. Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, assets, debt,and credit history, lenders can estimate how much of a mortgage you are eligible to obtain.

Current Rates:

Required Finance Documents:

• Two (2) most recent pay check stubs
• W-2 for the last two years
• If self-employed need tax returns for last two years (all pages) and profit and loss statement for the current year
• Last three month bank statements for both checking and saving bank accounts (copies of all pages)
• Most recent statement of 401-K, 403B, IRA or other retirement plans
• Copy of sales contract including all addendum
• Copy of Earnest Money Deposit check (front and back)
• Listing and selling agent telephone and fax numbers
• Closing attorney or title company who will handle the closing for both parties (buyers and sellers)
• Copy of lease agreement on rental properties (if applicable)