Check your credit reports and scores
Pay down credit card balances
Avoid opening new credit accounts
Gather recent pay stubs
Gather W-2s and tax returns
Collect bank statements
Collect proof of assets and debts
Determine your monthly budget
Calculate your debt-to-income ratio
Save for a down payment and closing costs
Choose a mortgage lender
Submit a mortgage pre-approval application
Authorize a credit check
Provide income, employment, and asset documentation
Verify your employment with the lender
Review the pre-approval letter
Keep your finances stable until closing