Are you first time home buyer who found a house on Zillow and wants to buy a house in Lansing MI or surrounding areas in Okemos, Dewitt, Grand Ledge, East Lansing, Haslett, Charlotte, St Johns, Laingsburg or Holt Michigan? You need to complete a mortgage lender application by a lender company, bank or credit union. Your Dewitt MI REMAX Agent can help you find the best local lender in town. Here are the basic items that you need and will be required by your mortgage lender in order to obtain a pre approval letter before you can buy a home: First, you will need copies of your past tax return statement. Second, you will your W2's from the past two years to show employment and steady relevant work experience. Third, you will need your most recent pay stubs from this past month. Fourth, 2 recent bank statements showing your checking, savings account balance as well as any credit card debt owed. Fifth, post graduates will need to have a letter from the federal government or loan company detailing how much student loan debt must be repaid. Many credit unions take into consideration your income to debt ratio when preparing your pre-approval purchase amount. Lastly, you need copies of your driver's license or passport. Many lenders like Dart Bank and MSUFCU Credit Union offer mortgage applications online that you complete for convenience, this is great for millennials and professional working students. To submit your paperwork, you may need to call or email the branch loan officer to verify you have all the documentation requested. You can also get updated home loan and interest rates.
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