A practical list of what to gather before pre-approval so your loan officer can move faster with fewer surprises.
Buying your first home is exciting, and clearer when you know what lenders need early.
Start with income documentation: recent pay stubs, W-2s, and two years of tax returns if you are self-employed. Gather statements for checking, savings, and retirement accounts that may fund your down payment or closing costs.
Pull your own credit reports, list monthly debts, and note any large upcoming purchases. Your Clear Mortgage loan officer will help translate those numbers into a realistic purchase range.
Finally, talk through down payment assistance and first-time buyer programs that may apply in your state. Early conversations often uncover options that change which properties make sense.