Vision Realty

What Is Pre-approval?

Make sure you get approved for a loan prior to your home search.  It a guideline for how much you can afford. it will help you narrow down your home search from the start and allows you to be taken more seriously in the bidding stage if you already have that approval letter from your bank.  

It's simply a matter of talking to your lender and getting them the information they are requesting. After they have a couple days to check your financial situation then they will provide you with a letter.

Preapproval process: what you may need to bring with you.


• Federal tax returns for the last two years.
• W2s (or 1099 statements) for the last two years.
• Bank statements for the last two months.
• Recent pay stubs and proof of any other income.
• Proof of assets (stocks, mutual funds).
• Information about your current debts.
• Information about the source of your down payment and how much you have for a down payment, including gifts. (remember that a down payment is differnt than earnest money)

TIP
If you are thinking of buying a home DO NOT open ANY new credit card accounts or loans for at least six months prior and make sure you closed on your home before you purchase that new furniture too. DONT EVEN GO OUT 2 DAYS OR A DAY BEFORE CLOSING! WAIT!

Get In Touch

Local Expert Updates

Darren Van't Hul  (Real Estate Agent)

Darren Van't Hul

712.578.9114

712.722.0045


Kristin De Jong  (Real Estate Agent)

Kristin De Jong

712.722.0045


Darla Van't Hul Sales Associate (Real Estate Agent)

Darla Van't Hul

Sales Associate

712.578.9621

712.722.0045


Kimberly Dekkers Sales Associate (Real Estate Agent)

Kimberly Dekkers

Sales Associate

605.610.5138

712.722.0045


Rachel Hoogeveen Sales Associate (Real Estate Agent)

Rachel Hoogeveen

Sales Associate

712.441.5100

712.722.0045


Community Updates

Donna De Weerd Broker/Owner (Real Estate Agent)

Donna De Weerd

Broker/Owner

712.441.5627

donnadw@mtcnet.net

Things to Do With Leftover Produce From Your Garden

Local Happenings

Freeze or Can: Freezing vegetables and fruits are a great way to preserve the taste and benefits. Some tips include blanching, and storing them quickly in an airtight container. Canning is another

Darla Van't Hul Sales Associate (Real Estate Agent)

Darla Van't Hul

Sales Associate

712.578.9621

darlamaevh@gmail.com

Hull Christian School

Hull

The Mission of Hull Christian is to educate covenant children in the light of God's Word, preparing them for a life of Christian discipleship, responsible stewardship, and humble service in His

More Info
Donna De Weerd Broker/Owner (Real Estate Agent)

Donna De Weerd

Broker/Owner

712.441.5627

donnadw@mtcnet.net

Seven Reasons to Make Sioux Center Your Home

Local Happenings

Sioux Center is growing so fast! We are finding that families are moving here for a variety of different reasons and we would like to share just a few with you. Small town feel with the big city

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