Readiness checklist
- Two years of income history or clear self-employment documentation.
- Credit report reviewed for disputes, utilization, and late payments.
- Bank statements ready for down payment, reserves, and gift funds.
- Monthly debts reviewed against target payment and approval range.
- Property tax, insurance, HOA, and mortgage insurance assumptions included.
- Lender letter refreshed before submitting time-sensitive offers.
Why this matters
A strong buyer agent can move faster when financing is already clear and the offer package is complete.