Immobiliari Realty inc. works with professional, reliable lenders who can pre-qualify you for a loan which provides you with more negotiating power when it comes to making an offer on a home. 

To pre-qualify for a home loan you will need  to complete a loan application which will require personal and financial information the lender needs in order to process your loan.

You must also include with your completed home loan application your last two pay check receipts, the last two years income tax returns with W-2 Forms, and two of the latest monthly bank statements.

It is extremely important to address potential credit issues before applying for your home loan. New debt will have an immediate negative impact on a buyer's credit score.

Revolving debt has higher negative impact on a borrower's credit score than installment debt. Shopping for credit and opening new credit card accounts to pay off old accounts will influence credit scores. 

Before applying for a home loan it is to your advantage to pay down balances on open trade accounts and pay your bills consistently on time.