Getting Approved for a Mortgage Like a Smart Diva Dweller

I remember distinctly getting my first mortgage for my first house. It was beyond stressful. I kept thinking of all the late payments I made on the utility bill (which really doesn’t impact your credit). And all of my parking tickets (still an issue on the credit). To make matters worse, my first lender was not a showstopper of a lender, and I needed my parents on the loan to help me buy my first house. The bottom line is that I was not prepared to be a smart Diva Dweller for the process. As a result, there were a ton of delays. Like I said…beyond stressful! Step 1: Get Your Documents in Order Two Months of Pay Stubs Two Months of Bank Statements Copies of Any Statements Showing Your Investments (401K, Retirement Accounts, Money Market, Stock, etc). Or where your down payment is coming from? Last Two Years of Tax Statements Gift Letter … Continue reading Getting Approved for a Mortgage Like a Smart Diva Dweller