Prequalify for Home Loan –
Mortgage Process Tips

Get pre-qualified for a home loan before searching for a home. This way you will know how much of a home you can afford.
Make all debt payments on-time (home, car, credit cards, etc).
Keep credit card balances below half the maximum limit.
Pay off all small bills and/or collection accounts.
Lenders like to see borrowers with some cash reserves in the bank. Start saving now!
Don’t buy a new car before buying a house. The car payment will raise your debt-to-income ratio and may prevent you from qualifying for a home mortgage.
Most lenders like to see two (2) years of consistent job history. If you’re thinking about changing jobs, wait until after you’ve purchased a home.
Deposit ALL of your paychecks into your checking account. If you need cash, take it out in a separate transaction. Lenders will use your bank statements to see how much money you have coming in each month.
Keep all records! This includes bank statements, divorce papers, bankruptcy discharge papers, etc.

Call Keystone at 865.909.0211 for a FREE credit analysis and pre-qualification.
Or complete a our 5-step quick application.

It's easy to get started!

Knoxville TN Office
1508 Coleman Road
Knoxville, Tennessee 37909
Sarasota FL Office
1400 Peregrine Point Drive
Sarasota FL 34231
Phone: 865-909-0211
Fax: 865-909-0178
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