Derek Fertig | Mortgage Expert on Instagram: "Save this for when you’re preparing your application. Most people think a loan application is about one number. It isn’t. It’s about patterns. When a lender reviews your file, here’s what they are really looking at: 1️⃣ Income type Is it stable? Predictable? Consistent? 2️⃣ Last 60 days of bank statements Not to judge you — but to understand your spending habits and savings behaviour. 3️⃣ Employment gaps Short gaps are normal. They just need explanat
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Derek Fertig | Mortgage Expert on Instagram: "Save this for when yo…
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Michelle Waters | South Jersey Realtor on Instagram: "I love you… but I’m not unlocking doors for vibes 😅🔑 No pre-approval = no showings. (Because I’m not setting you up to fall in love with a house you can’t actually buy.) What a pre-approval is: a lender reviews your income, assets, and credit and gives you a letter showing what you’re likely approved for (it’s not a guaranteed loan, but it’s the “you’re legit” letter sellers expect).  How to get one (quick + simple): 1. I send you a few tr
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Michelle Waters | South Jersey Realtor on Instagram: "I love you…
7.2K views2 months ago
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Before house hunting, a lender reviews your credit, income, debts, and job history to see how much you qualify for. Most programs require 580 credit (or **620 for first-time buyer assistance), 2 years of consistent work history, and minimal debt compared to income. Getting pre-approved helps you shop with confidence and makes your offer stronger. 🔑 Briana Favela 🏡 || 915-621-9434 📞 Revolve Realty LLC #ElPasoRealEstate #texashomes #eptx #elpaso #ElPasoHomesForSale Listing provided by Kenya Alu
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Before house hunting, a lender reviews your credit, income, debts…
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TikTokbrianaeprealtor
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