ZIP home

Welcome!

Thank you for considering us for your home financing needs. The mortgage process can be complex, and accuracy is key. Even a small error in your financial details can impact your home purchase. Unlike large online mortgage providers, we are a local lender with over 20 years of experience and a strong reputation in the market. Our goal is to build long-term relationships, not just process one-time transactions.

Purchasing a home is a significant decision—likely the largest purchase you'll ever make. That's why it's crucial to provide accurate information throughout the application process. Please take time to answer each question carefully, and make sure to gather the documents we request.

Documents You’ll Need at minimum for a REAL pre-approval:

• Income:

  • W-2 or Salary Employees: Most recent 30 days of pay stubs.

  • Military or DFAS Employees: Most recent LES (Leave and Earnings Statement).

  • Self-Employed: Two years of personal and business tax returns (all pages, schedules, and attachments).

• Assets:

  • Two months of bank statements for all accounts you list.

  • If you have retirement accounts (401k, TSP) or investment accounts (stocks, bonds), please include those too. Even if you don’t plan to use these funds, listing them strengthens your financial profile.

• Credit:

  • Be sure to remove any freezes or blocks on your credit reports. We’ll need access to your credit history to complete the pre-approval process.

Our goal is to provide you with a pre-approval that is both accurate and reliable, avoiding surprises later in the process—like after you've paid for appraisals or inspections. We want to ensure that your home search is efficient and aligned with your budget. We'll help you understand the payment range that works for you, so you can focus on homes within your price range.