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The first step in the mortgage process is prequalifying, which will determine how much a lender will lend you. Most lenders use national guidelines to determine the maximum amount that they will lend. Within the context of these standards, some lenders choose to be lenient and flexible, while others are strict. To prequalify you, lenders look at the following information:
Credit History and Scores
Monthly Income and Expense
Other applicable financial documents
If you would like to get additional information about prequalifying for a loan or see how much you can prequalify for, please give us a call 512-418-9999.