Home is within reach.
Resources
Preferred Lenders
Having a full pre-approval from a local trusted lender is the first step in the home buying process. Looking for an awesome lender? Reach out. I have a pocket full of fantastic, knowledgeable, local lenders that are ready to make your home dreams a reality. I only refer lenders and brokers that I have worked with personally and professionally that offer a top-notch experience. Lender recommendations please!
Be prepared to supply your lender with the following when applying for a full pre-approval (items needed for all parties applying for the loan):
The past 2 years of tax returns (especially if self employed) or the past two years of W2s
Your two most recent pay stubs
Bank statements from the past 60 days
Two months of retirement and brokerage statements
Debt information, divorce decrees, bankruptcy or foreclosure info, downpayment gift letters
Real estate income/debt information
Credit check
A pre-qualification is not the same as a pre-approval. Make sure you are working with a local lender that will provide a full pre-approval. A pre-approval shows that you are ready and able to purchase a home. It shows sellers that you are a serious buyer. A pre-approval letter or proof of funds should accompany an offer to assure the seller that you are financially able to purchase the home.
First Time Home Buyer Resources
MN First Time Home Buyer Programs
School School District Ratings
Research various schools and school districts.