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Pre-Approval Steps

  • Considering the Purchase
  • Pre-Approval Steps
  • Role of Your Real Estate Expert
  • Viewing Homes With Your Agent
  • Submitting an Offer
Home Buy Pre-Approval Steps

PRE-APPROVAL STEPS

Considering the Purchase

Pre-Approval Steps

Role of Your Real Estate Expert

Viewing Homes With Your Agent

Submitting an Offer

Get Started

Mortgage Application Process
Before you search for a home, contact a lender. If you haven’t found one, research lenders online and ask family and friends about their mortgage providers. Consider choosing a reputable local lender, one that after some discussion, you feel can be trusted with intimate and personal information. You want a lender that will provide impeccable client services.

A thoughtful rule of thumb is to speak to several lenders and choose one that is the best fit for you and your purchase. After you have found a lender, it’s important to discuss your budget and available home financing options. Some lenders work specifically with certain types of real estate, so always ask plenty of questions. This process shouldn’t take more than 20 to 30 minutes and won’t cost you one cent until you’ve bought a home.

A well-grounded lender/buyer relationship is valuable, so try not to rush the process.

Lender will require documentation to complete your application
Be prepared to answer specific questions and provide supporting documentation before you set up an appointment with your lender. Listed below is a standard list most lenders will request.

  • Employers Information – names, addresses, and telephone numbers of your employers for the past two years.
  • Banking Accounts – three months of current bank statements. Also include investments accounts statements.
  • Vital Records – be ready to provide birth dates and Social Security Numbers.
  • Proof of Salary and Wage – your most recent pay stubs listing year-to-date earnings.
  •  W-2 Tax Forms – you will need at least two years of tax returns.
  • Debts – disclosure of all debts and monthly expenses is necessary. Including reoccurring credit card debts, cell phone bill, auto loans, child support, etc.

There’s no need to worry or become over-whelmed, your lender will provide a thorough list of items required to complete the application process.

AWARD WINNING TEAM

We are ready to help you whether it’s your first time buying, downsizing or purchasing your dream home. Our team has the knowledge and expertise to deliver every time.


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We sold and purchased with Justin and his team and are still amazed at how smooth everything went! Very knowledgeable, hardworking and attentive! He made everything as easy as possible and sold our house in 5 days! Justin educated us where we felt confident in our purchase of our new home and Julia walked us through the closing so there we no surprises! He’s our realtor for life! And his billboards off HWY 380 are awesome!
Little Elm Family
...

Justin and his team were instrumental in helping me sell my house while I was out of the area, from listing to helping me decide what kinds of improvements/repairs to make, as well as lining up contractors for repairs/improvements. I would definitely use him again.

Sold a Single Family home in 2017 in Little Elm, TX
...

Justin was fantastic through each step of the process. He definitely understands the 380 area. Professional, yet also personable, I would highly recommend him.

Sold a Single Family home in 2017 in Aubrey, TX.
DevGuy

Knowledgeable, honest, and genuine. Justin represented me with my first home purchase and he also sold the same home for me. A pretty seamless experience.

Sold a Single Family home in 2017 in Balch Springs, TX.
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Justin Henry Real Estate Advisors
26875 US HWY 380 #120
Aubrey, TX 76227
972-757-6273
#0555435
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  • Home
  • About
    • JHRE Real Estate News
    • Join Our Team
  • Neighborhoods
    • Aubrey
    • Denton
    • Greenville
    • Frisco
    • Lake Dallas
    • Little Elm
    • Prosper
    • Princeton
    • McKinney
    • Corinth
  • Buy
    • Considering the Purchase
    • Pre-Approval Steps
    • Role of Your Real Estate Expert
    • Submitting an Offer
    • Viewing Homes With Your Agent
  • Sell
    • Accepting an Offer
    • Choose the Best Agent
    • Closing
    • Home Evaluation
    • Making Sense of the Sale
    • Preparing the Home
  • JH Repair & Remodeling
  • Contact
Justin Henry Real Estate Advisors