Gather Your Information
Obtaining a mortgage is a huge process requiring quite a bit of documentation and information to be provided to the lender. You need to provide proof of income and identity, and should be prepared to provide several years of tax returns, several months worth of bank statements, and letters explaining any monetary gifts or big deposits.
Visiting a mortgage loan officer without all your information is a waste of your time and theirs. A good idea is to call first and get them to email you a checklist of the items you need to take with you. The more prepared you are, the faster and easier the mortgage process will be.
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