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What information is needed to obtain a mortgage pre-approval?

Securing a mortgage pre-approval is the first essential step towards purchasing your dream home. At Fortress Mortgage Advisors, we understand that this process can seem overwhelming, but we're here to make it as smooth and straightforward as possible. By obtaining a pre-approval, you'll gain a clear understanding of your budget, demonstrate your seriousness to sellers, and streamline the overall home-buying process. Our dedicated team is committed to guiding you through every step, ensuring you have all the necessary information and support to make confident financial decisions.

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At Fortress Mortgage Advisors, we believe in making the journey to homeownership as seamless and transparent as possible. A mortgage pre-approval is more than just a formality; it's your ticket to understanding your purchasing power and making informed decisions in a competitive real estate market. With a pre-approval in hand, you can confidently explore homes within your budget, negotiate with sellers from a position of strength, and avoid last-minute surprises. Let our experienced professionals assist you in gathering all the necessary documentation and provide you with a clear, concise roadmap to your new home.

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Document Checklist

To get started with your mortgage pre-approval, you'll need to gather the following documents and information:

  1. Proof of Income:

    • Recent pay stubs (last 30 days)

    • W-2 forms (last 2 years)

    • Tax returns (last 2 years, including all schedules)

  2. Proof of Employment:

    • Employment verification letter from your employer

    • Contact information for your employer

  3. Proof of Assets:

    • Bank statements (last 2-3 months)

    • Statements for retirement accounts and other investments (last 2-3 months)

  4. Credit Information:

    • Consent for a credit check

    • Information on any outstanding debts or loans

  5. Identification:

    • Government-issued photo ID (driver’s license, passport, etc.)

  6. Additional Information (if applicable):

    • Divorce decree or separation agreement (if you are relying on alimony or child support as qualifying income)

    • Bankruptcy discharge papers (if applicable)

    • Explanation for any gaps in employment

Your Next Home Awaits

At Fortress Mortgage Advisors, we understand that finding the perfect home is more than just a financial transaction – it's a significant milestone in your life. Our team of dedicated mortgage experts is here to guide you through every step of the journey, ensuring you have the support and resources you need to make informed decisions. Whether you're a first-time homebuyer or looking to refinance, we offer a wide range of loan options tailored to meet your unique needs.
 

Ready to take the next step towards owning your dream home? Click the button below to book an appointment with one of our mortgage specialists today.

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