Financing
Get your financing right
The right loan matters as much as the right house. Here’s what every buyer should know before talking to any lender.
Get pre-approved before you shop
A pre-approval letter tells sellers you're serious and tells you what you can actually spend. Get it done before your first showing, not after you fall in love with a house.
Know your real numbers
The rate gets the attention, but your monthly payment, cash to close, and loan costs are what you actually live with. Get all four in writing and make sure they fit your life.
Have your paperwork ready
Pay stubs, two years of tax returns, bank statements, and ID. Having these ready turns pre-approval from a week-long chore into a same-day step.
Protect your approval
Between contract and closing, keep your finances boring. No new credit cards, no financed furniture, no job changes, no big unexplained deposits. Underwriters check again right before settlement.
Ready to talk to a lender?
Our loan team shops dozens of lenders to find the right rate and program, and communicates the way we do: fast and straight.
Connect with our loan teamDisclosure: our loan team is The Sean Evans Team at Guthix Lending, with which Sean Evans is affiliated (Sean Evans, NMLS# 2432130 · Guthix Lending • NMLS# 2672037). You are never required to use any particular lender and are free to shop for and choose your own. Equal Housing Opportunity.