The first step in your purchase process is obtaining proof of your ability to pay for the home you want. If you plan to pay with CASH, you will need a copy of your account statement to show sellers that you have the money. If you plan to finance any part of your home purchase, you must obtain a pre-approval letter from a loan officer. You should work with a loan officer who has a proven track record of getting their clients the best loan terms for reasonable closing fees. I recommend that you contact my own personal mortgage broker, Ashley Hall. Ashley Hall has a reputation for helping buyers get the best loan & interest rate for your personal circumstances. She has helped me finance multiple homes, and every buyer I have referred to her has been thrilled with her services.
I will need your proof of cash or pre-approval my files before we shop for homes!