Check your credit reports and credit scores
Pay down credit card balances and other debts
Avoid new debt and large purchases
Save for a down payment and closing costs
Gather recent pay stubs, W-2s, tax returns, and bank statements
Verify your employment and income history
Compare lenders and mortgage programs
Submit a mortgage preapproval application
Authorize the lender to review your credit
Provide all requested financial documents promptly
Get your preapproval letter from the lender