Advantage Pre-Approval
"Home ownership made easy"

Home ownership has never been easier. With Kirkwood Mortgage's vast knowledge and ever increasing loan programs, many have taken advantage of new home ownership. From first time home buyers to retirees, from perfect credit to challenged credit, let Kirkwood Mortgage help you realize your dream of home ownership.

In today's competitive real estate market, it is imperative that you have an edge over the competition. An ADVANTAGE pre-approval by Kirkwood Mortgage will provide you with just that edge:

• Gives you and your real estate agent the information needed to find a home that fits your budget as well as your needs.
• Lets sellers know your contract offer is backed by a reviewed credit history and asset analysis, allowing you to proceed with confidence when searching for that perfect home.
• The ADVANTAGE provides the basis for your mortgage process to proceed in a timely manner with assurance of a successful closing.

ADVANTAGE Pre-Approval Checklist

• Two pay stubs (most recent)
• Name and address of all employers for the last two years
• Two years W2s (most recent)
• Two months bank statements (most recent)
• Most recent statements for asset accounts (IRA, 401K, Money Market Accounts, etc.)
• Two years tax returns (self-employed only).