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How to Find the Right Mortgage Lender

Starting your home search is exciting, and getting prequalified for a mortgage is a crucial first step. You don’t have to navigate this alone—I'm here to help!

With years of experience, I understand the importance of choosing a trustworthy mortgage lender. Look for one with excellent customer service and competitive offers, focusing on your needs and integrity.

Here’s a quick checklist to prepare:

1. Personal Documents: Two government-issued IDs, your Social Security number, and any applicable divorce papers.

2. Credit Report: Review it for errors and maintain a healthy score by avoiding new credit inquiries.

3. Tax Returns: Provide the last year's returns, and possibly the previous two.

4. Proof of Income: Gather W2s, pay stubs, or profit and loss statements if self-employed. Include other income sources, like Social Security or child support.

5. Proof of Assets: Bank and retirement account statements.

6. Debt Summary: List all debts and monthly payments.

7. Financial Issues: Be prepared to explain any past bankruptcies.

8. Down Payment: Ensure these funds are ready; provide a gift letter if applicable.

9. Rent Proof: Show timely rent payments from the past year.

10. Mortgage Pre-Approval: Shop around and compare offers.

Ready to apply for your first mortgage? Reach out, and I’ll guide you to a lender you can trust!

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gray and white concrete house
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Bombnest helped me find the perfect investment property in Maryland. Highly recommend their services!

John D.

An aerial view of a modern residential complex with multiple rectangular buildings lined up parallel to each other. The buildings are surrounded by green lawns, pathways, and trees. Adjacent to the complex on the left are golf course elements, including well-maintained grass, sand bunkers, and golf holes. A pool with a clear blue color is visible on the rooftop of one of the buildings.
An aerial view of a modern residential complex with multiple rectangular buildings lined up parallel to each other. The buildings are surrounded by green lawns, pathways, and trees. Adjacent to the complex on the left are golf course elements, including well-maintained grass, sand bunkers, and golf holes. A pool with a clear blue color is visible on the rooftop of one of the buildings.

I successfully flipped a house with Bombnest's guidance. Their expertise made the process seamless and rewarding.

Sarah L.

A tall residential building with multiple floors and balconies, set against a clear blue sky. The structure is flanked by lush green trees. At the foreground, a retail space is available for lease, with visible signs advertising it. Several vehicles, including vans and cars, are parked along the street, and a pedestrian walks nearby.
A tall residential building with multiple floors and balconies, set against a clear blue sky. The structure is flanked by lush green trees. At the foreground, a retail space is available for lease, with visible signs advertising it. Several vehicles, including vans and cars, are parked along the street, and a pedestrian walks nearby.
★★★★★
★★★★★