Before you start looking at homes, it’s smart to lay some groundwork. A little preparation upfront can make the entire process smoother—and put you in the best possible position when it’s time to make an offer.
Start by organizing your financial documents.
We call it building your “green file”—a go-to folder of everything your lender might need to review during the loan process. This includes:
- Recent pay stubs
- Bank statements
- Investment accounts
- Credit card and auto loan info
- Tax returns from the past two years
- 401(k), retirement, and life insurance documents
- Copies of leases (if you own investment property)
Having these ready shows that you’re serious and prepared, which gives you a strong start when applying for a mortgage.
Next, check your credit.
Your credit score will influence what kind of loan you qualify for and what rate you get. SOHO Partners can connect you with trusted local lenders who will review your credit and walk you through your options clearly—no guesswork, no pressure.
Finally, keep your finances steady.
Avoid big purchases or major career changes while preparing to buy. A stable financial picture helps lenders feel confident—and puts you in the best position to move forward with ease.
