Prequalification & planning
You may be ready to prepare for an offer, or you may simply want to understand what is possible and what to work on first. Either way, we will listen, explain the choices, and help you build a practical next step.
Prepare a clearer financial picture
What is needed varies by borrower and loan program. Our team may request different or additional items after reviewing your circumstances.
Recent pay stubs covering approximately one month, or two years of tax returns when appropriate to the income being evaluated.
Recent bank statements covering approximately three months, including every page—even pages marked intentionally blank.
Review reports from Equifax, Experian, and TransUnion. Consumer credit scores are optional and may differ from the scores used for mortgage lending.
For mortgages covered by the federal Loan Estimate rule, submitting your name, income, Social Security number for a credit report, property address, estimated property value, and desired loan amount constitutes an application for purposes of that rule. A lender cannot require additional documents before providing the Loan Estimate.
Optional credit preparation
These resources are independent third-party websites. Their terms, privacy practices, and availability are controlled by their operators.
If you prefer not to receive prescreened credit and insurance offers, the nationwide credit bureaus provide a five-year electronic opt-out option. This is optional and is not required to apply for a mortgage.
Visit OptOutPrescreen.com ↗AnnualCreditReport.com is the federally authorized source for free reports from Equifax, Experian, and TransUnion. Free reports generally do not include free credit scores.
Visit AnnualCreditReport.com ↗What happens next
Begin with the secure application or schedule a planning conversation.
Use the protected application portal for sensitive documents and personal information.
A mortgage professional looks at the full picture and contacts you to discuss questions.
Move toward a letter, explore loan options, or create a longer-term plan.
Two ways to begin
Mortgage lenders use the words “prequalification” and “preapproval” differently. What matters is the information reviewed, what has been verified, and what the resulting letter or guidance actually means.
For buyers preparing to make an offer
Choose this path when you are ready for a mortgage professional to review your application, credit, and supporting information and discuss whether a prequalification or preapproval letter may be appropriate.
Paper application: Complete what you can, then call our team for secure return instructions. Do not send Social Security numbers, tax returns, bank statements, or credit reports through ordinary email or text.
For buyers planning ahead
Choose this path when you want to understand a possible price range, identify issues early, or build a strategy before you are ready to pursue a particular home.
No property selected yet? That is completely fine. You do not need a property address to begin a planning conversation. This preliminary guidance is not a loan approval, commitment, or guarantee of financing.
Questions are welcome
Call either office or email us with general questions. Please use the secure application portal—not ordinary email or text—for sensitive financial documents.