Review your budget first
Decide what monthly payment feels comfortable and how much cash you want to keep after closing.
HOMEBUYER ANSWERS
What Should I Do Before Getting Pre-Approved for a Mortgage?
A little preparation can make a mortgage review faster and give you a clearer picture before you start touring homes.
Apply Now ↗Gather income information
Depending on your employment and income type, documentation may include pay information, tax documents or records supporting self-employment and other income.
Organize assets
Be ready to document funds that may be used for down payment, closing costs and reserves. Large or unusual deposits may require additional explanation or documentation.
Avoid unnecessary credit changes
New debt, late payments or large balance changes can affect a mortgage review. Ask before making major credit moves while preparing to buy.
Know your homebuying timeline
Your target location, price range and timing help frame the financing conversation and determine which questions need answers first.
Consider a deeper underwriting review
A fully reviewed pre-approval can provide more certainty than a quick pre-qualification, subject to the property and final underwriting requirements.
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