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Step 4: Getting Pre-Approved

Getting pre-approved is a strong first step if you're buying a home. It lets you show the sellers that you're serious. Many buyers find that they have increased negotiating clout if they are pre-approved when they conduct their home search. Plus, if you're pre-qualified, it's a snap to apply for full approval once you've found your dream home - or want to begin building one.

How to Begin

To begin the process, contact us directly. We'll review your application, documentation and check your credit report. After we've determined that you're able to repay the loan, and subject to a full underwriting review, we will send you a letter of pre-approval.

To apply for pre-approval, you'll need the following information:

• Names, current addresses, and social insurance numbers for all borrowers
• Previous addresses for last two years
• 2 most recent paystubs
• 3 months bank book/statements or latest investment statement
• 3 yrs NOA's (notice of assessment)
• T-1 General tax statements for last 2 years