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Pre-Qualification Checklist

Pre-Qualification Power is Home Purchasing Power

There's nothing more frustrating than finding the home of your dreams, and realizing it is unaffordable. A mortgage pre-qualification prepares you with the confidence of knowing what you can afford. It allows you to focus on your search so that you can make your purchase offers quickly when you find the home you love. Additionally, it equips you with a negotiating advantage with a seller once you’re ready to make an offer.

Don't know what you'll need?

Use this checklist to gather all the documents and information you will need to successfully submit your application.

Download the Checklist

Getting pre-qualified.

Consulting with a Heartland Bank lender is the first step you should take in the home buying process. Most buyers will need a mortgage to finance their home purchase, so we advise that you prepare before you look.

Your lender will generate a mortgage pre-qualification based on your debt-to-income, your credit score, and your overall financial position. You should also consider your budget and comfort level with the payment amount.

A pre-qualification letter will state the estimated loan amount your lender has calculated based on your income and credit profile without any documentation. Click on the link below to download our helpful checklist of the items you'll need to complete the pre-qualification process. 

 


 

MortgageCalculator_Laptop.pngKnow How Much You Can Afford.

Stay on top of the numbers and easily calculate your monthly payments.

Knowing what you can afford is the first step in shopping for a new home or planning to build. Enter a few numbers into our mortgage calculator for a quick look at how much you can borrow.

 Use Our Mortgage Calculator



*Rates are based on a $200,000 purchase loan for a primary residence, no origination and no points, 80% LTV, 740 credit score and 60 day lock. Annual Percentage Rates are subject to change without notice. Subject to borrower qualification, property qualification, loan type, loan amount and lender approval.

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First-Time Home Buyers

Brandon & Kacee Thompson share their experience of buying their first home.

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