Buying Process

The Buying process can be both exciting and stressful so we are here to make it easier for you. 

Here are the steps to take:

1. Contact us to schedule a Consultation to explain the process and determine where you are in the process
2. Contact the Lender to obtain a pre-approval
3. Provide all required documentation to lender
4. Start viewing homes with us 

Here are a few Basic Requirements:

640+ score:

• Stable two year work history.  Does not have to be the same employer. 
• If self-employed, will  need a full two year history through filed, processed tax returns
• Proof of closing funds: bank statements/ 401k statement/ gift donor info
• No credit events: BK, Repo, Foreclosure in most recent 3 years
• No non-medical disputed accounts

Below 640 score:

• Stable two year work history.  Does not have to be the same employer.
• If self-employed, will  need a full two year history through filed, processed tax returns
• Proof of closing funds: bank statements/ 401k statement/ gift donor info
• Up to 3 months of payment in reserves
• No credit events: BK, Repo, Foreclosure in most recent 3 years
• No late payments, collections, charge off accounts in the most recent 24 months
• No non-medical disputed accounts
• Verifiable 12 month rental history