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Reply to "Where to start with mortgage prequalification?"
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[quote=Anonymous]Another REALTOR here. The best lenders usually come from either personal referrals or your agent despite the previous post. We are prohibited from receiving kick-backs from lenders and any affiliation must be disclosed. Find yourself a good, ethical agent and they should be able to provide you with a few lenders to talk with. Also, talk with a good friend or colleague that you trust for a referral. Here's the thing- lending guidelines have significantly changed over the years. For the most part, a pre-qual letter is worth the paper they are written on, no more as some lenders will provide them quickly without reviewing your pay stubs, tax returns, viewing W2's, financial statements. These docs are needed for an accurate and strong lender letter especially if you itemize your taxes. Good luck![/quote]
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