Section One - Factors to Qualify
Discover the key factors to qualifying for a home loan.
Section Two - The Initial Meeting - Getting Organized
Information on what to have available for your first discussion with your loan professional.
Section Three - Pre-Approval Vs Pre-Qualification
There is a big difference between a pre-approval and a pre-qualification. Learn which is more important to have.
Section Four - Low Down Payment Loans
How is it possible to buy a home with less than 20% down?
Section Five - Qualifying for a Low Down Payment
Factors to consider to qualify for a low down payment loan.
Section Six - Down Payment Options - Credits, Gifts and Loans
Options for obtaining your down payment money.
Section Seven - Gifts and Taxes
More information on Gift Funds, including tax ramifications.
Section Eight - PMI Alternatives
If you put less than 20% down, you may have PMI. There are alternatives.
Low Doc programs are made for the self employed and others with hard to verify income.
Section Ten - Programs for First Home Time Homebuyers
There are several programs for first time homebuyers - learn about them here.
Section Eleven - What NOT To Do After Applying
There are a few things that if you do them after application, your loan approval may be withdrawn.