Getting pre-approved for a mortgage is an essential first step before beginning your home search. Lenders will typically ask for documentation such as recent pay stubs, W-2s or other proof of income, tax returns from the past two years, and statements for credit or loan accounts. It’s always wise to compare options with more than one lender, as rates and programs can vary.
Keep in mind that the amount you are approved for represents a maximum—your actual purchase should align with your lifestyle, financial goals, and comfort level to ensure your investment is both rewarding and sustainable.