1. Gather documents now
Pay stubs, W-2s or tax returns, and two months of bank statements cover most of what we'll need. See our document checklist.
2. Get pre-approved before shopping
A pre-approval tells you your price range and shows sellers you're ready.
3. Keep credit steady
No new credit cards, car loans, or large purchases until after closing.
4. Explain big deposits early
If money moved between accounts or came as a gift, tell us up front so we can document it once.
5. Answer quickly
When we ask for something, a same-day reply keeps everything moving. Most delays come from waiting on a single document.
6. Book key steps early
Schedule your inspection right away, and line up homeowners insurance before your closing week.
Frequently asked questions
How long does a typical loan take?
Many purchases close in about 30 days. Some take less, some more. We'll give you a timeline for yours.
Can I start before I've found a home?
Yes, and it's the best time to start.