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Michael Kim logo
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How to Choose the Right Mortgage Lender?

Don’t worry about your finances, choose the professionals who’ll take care of them.

You’re just starting your search to purchase a new house - this is an exciting time!
Before you schedule your first home tour, getting prequalified for a mortgage is an important first step.
You don’t have to think about it on your own - we’re here to help you.

Having years of experience on the market, we’ve learned how important a trustworthy mortgage lender is during your real estate journey.
Put your faith in a leading lender awarded for the exquisite customer service and appreciated for the competitive offers.
Choose the business that pair knowledge, individual approach, and integrity, taking care of the most satisfactory results for you.

Here’s a checklist to get you on your way to buying the home of your dreams before you decide on the professional with whom you want to work with.

Personal Documents

You’ll need two forms of government-issued ID, your social security number, divorce papers if applicable, as well as proof of ownership of other property.

Review Your Credit Report

You should be able to do this free of charge. Be sure to dispute errors or provide an explanation for late payments. Keep your credit score healthy by avoiding new inquiries, canceling accounts, or lowering limits with creditors. Doing these things could lower your score.

Tax Returns

You’ll need to provide tax returns for the previous year, and potentially for the last two years.

Proof of Income

Gather W2s, paycheck stubs, 1099s, or a year-to-date profit and loss statement if self-employed. Include other income like Social Security, child support, or government assistance.

Proof of Assets

Provide bank statements, mutual fund statements, account balances for retirement accounts, 401Ks, IRAs, and any money held in the stock market.

Debt Summary

Provide a summary of your debts, monthly payments, child support payments, and balances for credit cards, student loans, car loans, and other property loans.

Financial Issues

You may need to provide a written explanation if you’ve had bankruptcy or other financial issues in the past.

Down Payment & Closing Money Ready

Have these funds ready in your bank account. If received as a gift, provide a letter confirming it is not a loan.

Renting

Compile proof for the past year with canceled checks or money orders to show rent was paid on time.

Mortgage Pre-Approval Successful

Do comparison shopping and contact other lenders. A home is likely the largest purchase you’ll make, so do your homework to ensure a competitive deal.

Applying for your first mortgage?

Get in touch with us! We’d be happy to walk you through the process and help you find the mortgage lender you can trust.

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