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Mortgage Pre-Qualification

The first step in your home buying journey.

Mortgage pre-qualification is the first step in your home buying journey

Make your homeownership dreams come true by first pre-qualifying for a mortgage. This basic financial assessment will give you a clear understanding of how much you can afford to borrow, so you can find a dream home that fits within your budget. Pre-qualification letters are typically valid for up to 60 days and do not commit you to a mortgage.  

Commonly required documentation: 

  • Driver's license
  • Social Security card
  • Pay stubs for most recent 30 days
  • IRS W-2 forms for most recent two years
  • Tax returns for most recent two years
  • Bank statements for most recent two months

Additional documentation may be requested, if applicable:

  • Current official mortgage billing statement
  • Homeowner’s insurance declaration pages
  • Current mortgage statement(s) for all properties currently owned
  • Current homeowner’s insurance declaration pages for all properties owned 
  • Current property tax billing statements for all properties currently owned 

How to Apply and get pre-qualified

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All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.