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What Do You Need to Get Preapproved for a Mortgage Loan?

What Do You Need to Get Preapproved for a Mortgage Loan

If you’re like most people buying a home on 30A, you’ll need a mortgage to finance your purchase. That means you’ll want to get preapproval before you start house-hunting so you know how much you can afford – and so that when you find your dream house, you can pounce on it and make an offer quickly.

But what do you need to get preapproved for a mortgage? Here’s what you need to know.

What Do You Need to Get Preapproved for a Mortgage Loan?

Before you can get mortgage preapproval, you’ll need to pull together all kinds of documents. That way, you have everything ready when you fill out and file your application. You’ll need:

  • Checking and savings account statements
  • Investment account statements
  • A list of your outstanding debts, including those related to credit cards, student loans, auto loans and other lines of credit
  • Tax returns from the past 2 years
  • Salary and employer information, as well as check stubs or payment receipts
  • Your Social Security number, as well as numbers for any other co-borrowers (like your spouse) so the bank can check your credit information
  • Information on your down payment, including how much it will be and where you’re getting the money for it

Preapproval Tips

If you’re applying for loan preapproval, it might be a good idea to branch out and apply with different lenders. That way, you can compare your loan estimates and see which one is going to offer you the best terms and interest rates.

Are You Buying a Home Along 30A?

If you’re thinking about buying a home for sale on 30A, we can help you. Sign up for exclusive access to the hottest listings – we’ll notify you as soon as homes that meet your needs hit the market!

You can also check out all our 30A real estate listings or get specific with these links:

  • Alys Beach homes for sale
  • Destin homes for sale
  • Grayton Beach homes for sale
  • Panama City Beach homes for sale
  • Santa Rosa Beach homes for sale
  • WaterColor homes for sale
3010 E County Hwy 30A
$19,900,000
  • 7 Bedrooms
  • 10 Bathrooms
  • 9,981 Sq Ft
  • 0.250 Acres

3010 E County Hwy 30A Santa Rosa Beach, Florida

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8512 E County Hwy 30a
$12,990,000
  • 9 Bedrooms
  • 12 Bathrooms
  • 9,357 Sq Ft

8512 E County Hwy 30a Inlet Beach, Florida

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200 Eastern Lake Road
$12,750,000
  • 5 Bedrooms
  • 8 Bathrooms
  • 7,154 Sq Ft

200 Eastern Lake Road Santa Rosa Beach, Florida

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47 Hinton Drive
$12,500,000
  • 8 Bedrooms
  • 9 Bathrooms
  • 8,475 Sq Ft
  • 0.700 Acres

47 Hinton Drive Santa Rosa Beach, Florida

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2182 E County Hwy 30A
$10,950,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 5,335 Sq Ft

2182 E County Hwy 30A Santa Rosa Beach, Florida

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171 W Bermuda Drive
$9,800,000
  • 7 Bedrooms
  • 11 Bathrooms
  • 6,956 Sq Ft
  • 0.380 Acres

171 W Bermuda Drive Santa Rosa Beach, Florida

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208 Paradise By The Sea Boulevard
$8,999,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 6,900 Sq Ft

208 Paradise By The Sea Boulevard Inlet Beach, Florida

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427 E Water Street
$8,200,000
  • 6 Bedrooms
  • 6 Bathrooms
  • 3,628 Sq Ft
  • 0 Acres

427 E Water Street Rosemary Beach, Florida

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517 Beachside
$7,500,000
  • 8 Bedrooms
  • 10 Bathrooms
  • 6,096 Sq Ft
  • 0.850 Acres

517 Beachside Panama City Beach, Florida

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365 E Water Street
$7,195,000
  • 5 Bedrooms
  • 6 Bathrooms
  • 4,039 Sq Ft

365 E Water Street Rosemary Beach, Florida

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28 W Spanish Town Court
$6,995,000
  • 5 Bedrooms
  • 6 Bathrooms
  • 5,017 Sq Ft
  • 0.070 Acres

28 W Spanish Town Court Rosemary Beach, Florida

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91 N Emerald Cove Lane
$6,995,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 6,875 Sq Ft
  • 0.140 Acres

91 N Emerald Cove Lane Inlet Beach, Florida

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8 Kings Castle Court
$6,950,000
  • 5 Bedrooms
  • 7 Bathrooms
  • 4,111 Sq Ft

8 Kings Castle Court Inlet Beach, Florida

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281 Pompano Street
$6,699,000
  • 6 Bedrooms
  • 5 Bathrooms
  • 5,694 Sq Ft

281 Pompano Street Inlet Beach, Florida

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WW-S401 Sea Garden Street 401
$6,650,000
  • 3 Bedrooms
  • 4 Bathrooms
  • 2,485 Sq Ft

WW-S401 Sea Garden Street 401 Alys Beach, Florida

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Posted in: Mortgages Tagged: Mortgage, Mortgages, Preapproval, Tips

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As local 30A Real Estate Agents we also have access to homes before they hit the market and can show you more homes and information that are only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact us at your convenience. There is no obligation and or pressure… we hope to hear from you!

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Grayton Beach,
FL 32459

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