Getting Prequalified For A Home Loan

Dated: 09/29/2016

Views: 115


Image title

Speaking to a lender and getting pre-qualified is probably one of the most critical first steps you can take when preparing to buy or refinance your home. Its a pretty basic list of items needed but the sooner you start putting it together the sooner you lender can either get you pre-qualified or help with a plan to get you qualified at the best rate.  I work with a number of local lenders and can introduce you to some great professionals that can help you achieve your goals. To see a list of some of the lenders I work with in our area click here


Here is the list of paperwork to gather together:

Copies of your federal tax returns ( 1040’s) with all pages and schedules for 2014 and 2015 along with the W2’s and 1099’s for those same years.

Copies of 2 months bank statements and investment/retirement accounts. The copies need to include all pages even if advertising or other junk appears on them.

Copy of drivers license.

Copy of Social Security Cards or Passport

Copy of the most recent mortgage payment statement

Copy of insurance declarations page that shows the premium amount and the renewal dates.

Most recent pay stubs 


Ken Bryant is a Real Estate Broker with REMAX Parkside in Paso Robles, California. He’s passionate about earning the trust of his clients and helping them find the right home or property. Ken is a 5 Star Zillow Premier Agent and is recognized by the National Association of Realtors as a Short Sale and Foreclosure Resource. In addition to working with individuals and families, Ken specializes in vineyard, hospitality, and investment properties. 

Blog author image

Ken Bryant

My name is Ken Bryant and I’d like to take a moment to tell you a little about myself. I’m a Realtor® with REMAX Parkside Real Estate in Paso Robles, California. I began my real estate career....

Latest Blog Posts

Eat In Atascadero January Is Restaurant Month

It’s January on California’s Central Coast and that means that it’s Restaurant Month—a time when local restaurants offer specially priced fixed menus, so that residents can enjoy visiting

Read More

Here Comes The Atascadero Tamale Festival

Living in Atascadero, California has many benefits, including beautiful scenic views and a short drive to just about anywhere in San Luis Obispo County, but one of the best things about life in

Read More

Friday Fun On The Central Coast

There’s a reason that so many people want to move to California’s Central Coast—the weather, the gorgeous landscapes, and, the many events that take place every weekend for wine lovers,

Read More

Butterflies Birds And The Fiscalini Ranch Preserve

All across the country people are hunkering down and taking shelter from winter, but on California’s Central Coast the temperatures are perfect for taking in a few outdoor activities, enjoying

Read More