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2. Organize and gather your personal information.
Your income and monthly expenses, bank statements, and income verifications will certainly be closely looked at, so be prepared with at least 2 years of all documents.
3. Shop for a mortgage lender.
Make an appointment with a mortgage lender to see if you qualify for a mortgage you can afford. Remember that different mortgage shops offer a wide variety of rates and programs, so if one says no, there’s always another.
4. Secure mortgage pre-approval.
Once you’ve found the mortgage that’s right for you, you’ll want to show sellers that you have what it takes to buy their home.
In hot markets, a pre-approval is almost always required for a seller to take your offer seriously. That’s because it spells out exactly how much a lender has agreed to loan you, thus