Purchasing made Easier

Purchasing a home is one of the biggest investments that most people will make in their lifetime. While homeownership is extremely rewarding, the process of buying a home and obtaining a mortgage can seem very daunting. That is why it is so important to work with the right people and, the right company. With countless years or mortgage experience, the Mortgage Loan Originators at PLS Mortgage Services will help you choose the loan that best fits your individual needs and, we will help you navigate through the entire process.

The first step in the home buying process is the Pre-Approval. It is recommended that you get pre-approved before you start shopping for a home. A Pre-Approval will give you the added confidence that you are in a good position to get a mortgage plus, it will let sellers know that you are a serious buyer. Whether you plan to buy a home in the next three months, six months or, a year, it is never too early to get pre-approved.

Information you will need to start the process

To apply for a loan, or to get pre-approved, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to provide:
  • Social Security numbers for both you and any co-borrowers
  • Copies of checking and savings accounts statements for the past two months
  • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
  • Recent paycheck stubs
    W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
  • The name and address of someone who can verify your employment
  • Residence history for the past two years
  • Sales contract for the purchase of a new home
  • Homeowner’s association information with contact information if property is a condo or part of a homeowner’s association.

Have questions? Call us at (833) 757-5363

Ready to get started?

Fill out the following form and a PLS Mortgage Specialist will be on contact with soon after.