Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.To buy a house, you should first team up with a trustworthy real estate agent and…
It requires a number of documents from each candidate (so if you’re married, both you and your partner will require to supply these products):
– Identification
– Pay stubs for one-month period
– Bank declarations, both checking and cost savings, for two-month duration
– Earnings tax returns for two-year duration
– W-2s for two-year duration
During pre-approval, the lending institution will also do a hard query of your credit, which will reveal up on your credit report.
You can pick either a fixed-rate home mortgage or an adjustable-rate home loan(ARM).
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