Relax, take your time and let the experts at Buyer's Edge guide you through the process.

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  1. Select mortgage lender
    Programs differ; interview several. Your Exclusive Buyers Agent Can Help!

  2. Be Prepared
    Use the checklist below to help you gather necessary information before you apply.

  3. Pre-qualification
    Determines buying power; price range.

  4. Application -- Loan Officer
    Outlines your financial requirements; helps determine the right mortgage plan for you; helps complete the application forms.

  5. Processing -- Loan Processor
    Your primary contact. Gathers information; works with appraisers and credit agencies; keeps you updated on loan status.

  6. Processing -- Underwriter
    Reviews all information and make a decision on your loan. Loan approval time: 2 to 4 weeks.

  7. Closing
    Your Loan Processor communicates the loan decisions; tells you if additional information is required before closing; coordinates closing with your Exclusive Buyer Agent.


Be sure that you have the following information available when you apply:

  • Social Security Number

  • Residence address for past two years.If you're a renter, landlord's address/phone for past two years. If you're a homeowner, loan number and mortgage holder for past two years.

  • Name, address and phone number of each employer for the past two years.

  • W-2s for the past two years and pay stubs for the past 30 days.

  • If self-employed or commissioned, personal and business federal tax returns (all schedules) for the past two years, a year-to-date profit and loss statement, and balance sheet.

  • Bank statements (including checking, savings, money market accounts and current loans) for the past 60 days. Be sure to include all pages of your statements.

  • A copy of completed (fully executed) sales contract for the subject property.

  • A check for your application fees.

  • Evidence of additional sources of funds necessary to close the loan.

  • Additional documentation requested.

Click here for our Homebuyer’s Check List