Being a first time homebuyer can be extremely nerve racking for many borrowers. So here are a few helpful hints.

#1 Do not apply for a mortgage until you are ready
#2 Have your complete tax returns and w2’s for the last 2 years
#3 Make sure you have the most recent 30 days of paystubs
#4 Make sure you have you last 2 months of complete bank statements ( No overdrafts)
#5 Have a budget so you know what you will be able to afford for a house payment
#6 Make sure that you like the loan officer you are working with
#7 Make sure to respond in a timely manner when something is requested of you by your lender
#8 Have a copy of your divorce decree or bankruptcy discharge papers if pertinent

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