We’ve said it before: It takes a lot of paperwork to buy a home. And almost all of it pertains to the mortgage approval process. You need W-2s, 1099s, bank statements, debt info, gift letters, and so much more. So gather ye olde paperwork while ye may, then work with your mortgage broker to get preapproved before you start shopping for a house. That way, you can walk into an open house with a preapproval letter showing you’re a serious buyer who’s bank-approved and can afford the home price. And remember: Prequalified isn’t the same thing as preapproved.
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