Section One - Factors to Qualify

Discover the key factors to qualifying for a home loan.


Section Two - The Initial Meeting - Getting Organized

Information on what to have available for your first discussion with your loan professional.


Section Three - Pre-Approval Vs Pre-Qualification

There is a big difference between a pre-approval and a pre-qualification. Learn which is more important to have.


Section Four - Low Down Payment Loans

How is it possible to buy a home with less than 20% down?


Section Five - Qualifying for a Low Down Payment

Factors to consider to qualify for a low down payment loan.


Section Six - Down Payment Options - Credits, Gifts and Loans

Options for obtaining your down payment money.


Section Seven - Gifts and Taxes

More information on Gift Funds, including tax ramifications.


Section Eight - PMI Alternatives

If you put less than 20% down, you may have PMI. There are alternatives.


Section Nine - Stated Income and Low-Doc Programs for Commissioned and Self-Employed Borrowers

Low Doc programs are made for the self employed and others with hard to verify income.


Section Ten - Programs for First Home Time Homebuyers

There are several programs for first time homebuyers - learn about them here.


Section Eleven - What NOT To Do After Applying

There are a few things that if you do them after application, your loan approval may be withdrawn.