Being pre-approved is a simple process where you supply a lender you'd like to work with your financial information and usually within less an hour or less sometimes minutes you find out what you qualify for.  Many people never try thinking they don't qualify when they actually do!  Don't assume you don't qualify, give it a try.  It usually cost nothing to apply!  Even if you don't qualify, you can find out the little things you can do over the next few months to a year so you do qualify.  Buying a home is one of the best financial moves you'll ever make in your life.  Be sure you don't miss out on your opportunity! Your bank can be a great place to start, however it's important that the loan agent at your bank is skilled and proficient at closing transactions; hopefully he or she has a good reputation in the local real estate community.  If you don't know the loan agent at your bank Mark recommends you use the loan agent your Realtor uses.  If you select a quality Realtor you can bet the loan agent he or she uses also is competant.  The loan agent is as important if not more important than the bank your choose.  Although the bank offers the interest rates and has the systems in place to process the loans its the loan agent who is the person who either has the skills and work ethic to prepare your credit application in a way and on time for the underwriter will approve it or they don't.  Even if your a strong buyer a poor loan agent can still mess things up and create headaches.  Buying a home can be stressful enough without the loan agent creating more problems.      So what financial information is needed to be pre-approved?
	- Full legal name & social security number - Address the past 2 years - Your last 2 paystubs, - Your last 2 years W-2's or tax returns - Last 2 months bank statements
	With today's technology you can fax or email this information to the loan agent you've chosen.  But, if your not using a loan agent that's recommended, which is risky, Mark recommends meeting them in person and be on the alert if they not only seem knowledgable and professional; although the best loan agents are almost always very busy.  This could imply a bit of hecticness.  Don't take this kind of risk, always use someone who is recommended.
	If you'd like Mark to assure you work with a quality loan agent and get low interest rates you can either supply the information below and we'll contact you or just give us a call at: (707) 643-4500 or 437-4500
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