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Here Are A Few Tips To Help Your Loan Process Go Quickly And Smoothly

  1. 1. Make sure your credit is in good shape.
    • a. Check your credit score.
      • - Excellent Credit: 750+
      • - Good Credit: 700-749
      • - Fair Credit: 650-695
      • - Poor Credit: 600-649
    • b. Try to get your credit card balances below 40% of the limit.
    • c. It's best to have at least 3 open and active accounts listed on your credit report.
  2. 2. If you're renting, pay by check.
    1. a. Having documented proof of your last 12 months of payment is often required by the lender.
  3. 3. Obtain proof of employment for the last 2 years.
    1. a. W2s and tax returns.
    2. b. Paystubs covering 30 days.
    3. c. Be prepared to explain any gaps in employment.
  4. 4. Avoid large deposits or withdrawals from your bank account.
  5. 5. Determine a down payment amount based on your available funds.
  6. 6. Obtain a pre-approval letter from an Independent Mortgage Proffessional.
  7. 7. Research a local real estate agent.
  8. For any questions, please give us a call, we would be more than happy to speak with you. Below you can easily and quickly begin your Pre-Approval process.


Get Pre-Approved For A Mortgage

 Complete our online application for a quick and secure approval process.

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Contact Us
29190 US Hwy 19 N
Clearwater, FL 33761
Office: (727) 773-0505
Fax: (727) 773-0606