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Select Realtors | Buy, Rent or Sell Homes in California - Bay East Tri-Valley Area Find your dream home. Get the best offer for your property.
Find Homes for Sale / Rent. Dublin, Danville, Pleasanton, Livermore, Blackhawk, San Ramon, Sunol and other cities in Bay East - Tri Valley ( Alameda and Contra Costa County ) Area.
Select Realtors | Buy, Rent or Sell Homes in California – Bay East Tri-Valley Area Find your dream home. Get the best offer for your property.

Getting Pre-Approved for your home loan

It cannot be over-emphasized the importance of getting pre-approved for your financing when venturing upon the purchase of a home.

  1. It gives you a position of strength.
  2. It puts you in the proper place in terms of your purchasing as well as bargaining power and the ability to purchase in a desired location.
  3. It eliminates much of the stress by identifying additional documentations, ahead of time, required to underwrite the loan
  4. It makes the whole cycle of buying process fast, smooth and easy.

Loan pre-approval determines if the Borrower fits into the lending and risk parameters of the lender and/or the investor along major tests.

  1. Credit worthiness
  2. Income and employment
  3. Availability of funds to close

A loan pre-approval is not a loan commitment.

In general, the following documentations are needed to obtain a pre-approval:

  1. Two (2) years Federal Tax Returns including all schedules
  2. W2 statements – last 2 preceding years
  3. Most recent 30-day pay stub(s); if self-employed, a Year-to-Date  Profit & Loss Statement
  4. Two (2) most recent statements of all bank accounts – include all pages
  5. Most recent statement of retirement savings account (ex. 401K, 403B, IRA, Keogh Plan, etc.)
  6. Most recent statement of any brokerage account(s)
  7. Photo ID (Driver’s License , State ID or Passport)
  8. If applicable, copy of discharge from any bankruptcy; divorce decree

Depending on the complexity of the Borrower, additional documentations may be required.

When buying a home in the Tri-Valley (Dublin, Danville, Pleasanton, San Ramon, Livermore, Sunol, Blackhawk), or any Cities in the Alameda County or Contra Costa County, San Francisco including the San Mateo Peninsula, get pre-approved first with Ben Magalang through Select Financial an affiliate of Select Realtors.