Expert funding services to meet your needs.

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4 Acre Funding Services

Preparation is Key

Purchasing a home is one of the largest investments you'll make in your lifetime. If you're considering buying a home, you know that the process can be challenging and stressful. The many variables to consider when purchasing a home make it important to be prepared.

By having your future home approved for Fannie, Freddie, FHA, VA, USDA or Jumbo loans before submitting an offer on a home.

We will have your credit, income and assets underwritten while you are searching for a home. A pre-qualification can be a useful tool but a pre-approval can give you the edge over other buyers.

This is the best way to compete against a cash buyer, and will help you stand out to the sellers.

The Checklist

To apply for a loan, 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