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I Want To Buy A House. Step One...Pre-Approval.
I'm blessed to get many calls per year from people either wanting to see one of my listings off "sign-calls", or they want to see someone else's listing and called me because they were in my leads program or they are ready to buy a house and were referred to me recently. In all cases, my first two questions are always, "Do you already have a Realtor you are working with?" and "Would you please send me your pre-approval letter, or give me your lender's contact info?"
It amazes me how many agents don't ask that first.
I either get a long silent pause, an immediate "I don't have a lender" or "what's a preapproval letter?"
That is step one, even before we go look at homes, after all, how do we know you can afford it and can secure a loan to do so? Realtors only show homes you'd potentially buy; e.g. offer on that same day you saw the home; we do not show homes...just to show homes.
So, here's what's needed to get preapproval (not just pre-qualified) in CA as shared with me by my #1 lender and fellow Rainmaker, Jason Gordon:
 
DOCUMENT CHECKLIST:
Income:
Pay-stubs: most recent 30 days (to document all sources of ... more

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