Bluefield, WV
304-323-2491
Princeton, WV
304-425-7563
Buying a Home
Getting Pre-Qualified
Before you can make a serious offer on a home, you need to be pre-qualified with your lender. At this meeting your lender will help you fill out an application and will use your debt to income ratio to tell you how much home you can afford. That's why it's a good idea to get pre-qualified before you begin looking for a home.
At your first meeting, the loan officer will compare your gross monthly income to your total monthly payments including, student loans, credit cards, car payments, child support and more. To help make the meeting go as smoothly as possible, come prepared with the following documents.
- Past 30 days of pay stubs
- W2's for the past two years
- If you are self employed, provide full tax return (business and personal) for the past two years
- If you are retired, provide full tax return for the past two years as well as any benefit reward letters and the past two years 1099's
- If you receive rental income, provide an active lease agreement
- Bank statements for any assets you may have
Once you have received your pre-approval you can begin looking at houses in your price range.
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Mike Tyree, Broker - Jeff and Nancy Livingston, Owners Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 02/23/2012. The listing information on this page last changed on 02/23/2012. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Mercer/Tazewell MLS (last updated Wed 02/22/2012 6:27:20 AM EST). Real estate listings held by brokerage firms other than C21 Select Properties may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --
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