Finding your first or next home in Central Mississippi just got easier! Get a FREE MLS Autosearch and take the guesswork out of finding your home. No more random searches! Say goodbye to Zillow! Just tell us what you want and where you want it and we’ll send it right to your private FlexMLS Portal. (A Service of NuWay Realty)
HomeSearch by NuWay
First, let’s see how HomeSearch by NuWay works and then let’s get moving! (HomeSearch by NuWay is an exclusive offer by Broker-Owner Rick Clarke through NuWay.
How HomeSearch by NuWay Works
Step 1: Show Me the Money!
Unless you’re paying cash (not that there’s anything wrong with that), the first and most important step in the purchase of your first or next home is to get pre-approved for a mortgage loan.
Using the convenience of a phone or online application and from the comfort of your home, we’ll connect you with a local lender to provide you with a FREE no obligation credit decision with a maximum suggested loan amount, before you even begin shopping for a home.
The loan amount fits your real-life budget. You don’t want too much month left over at the end of the money. Search only for and purchase a home that you can afford in this season of your life.
Mortgage Pre-Approval
The decision happens within days when you provide the information your lender needs in order to evaluate and process the loan.
- Make it a top priority.
- Time is of the essence.
- Need a lender? We’ve got some great ones to reach out to. Shop around for the best rates and deals.
Some Things You Will Need for the Mortgage Application
- Bank Statements (last two months from all accounts).
- Retirement (last two month of retirement/pension, 401K, and Social Security 1099 statements.
- Pay Stubs (last 30 days).
- Tax Returns (last two years of 1040 tax return, last two years of federal corporation and/or partnership tax returns (if self-employed), and last two years of W-2 forms).
- Valid I.D. Copy (driver’s license, Social Security card, passport).
- Earnest Money (copy of earnest money check deposit)
- Award Letters (if applicable; for retirement/pension income, social security, disability income).
- Divorce (if applicable; decree and separation agreement).
- Mortgage Statements (if applicable; property tax bills and homeowner’s insurance statements for all real estate owned).
- Bankruptcy (if applicable; petition and discharge).
- Additional documentation may be required in order to complete the underwriting process.
Some Do’s and Do Nots During the Lending Process
The DO’s:
- DO call your loan officer before making any financial decisions or changes to your normal financial routine. Your loan officer will help you through the loan process.
- DO keep all existing credit card accounts open.
- DO keep your employment within the same company or field of work.
- DO pay off collections, judgments or tax liens reported within the past year.
- DO be prepared to pay off collections if required by underwriting or the loan program guides.
- DO provide any documentation for satisfied judgments or paid tax liens.
- DO stay current on payments for all existing monthly obligations.
The DO NOT’s:
- DO NOT apply for new credit of any kind.
- DO NOT max out or overcharge existing credit cards.
- DO NOT consolidate debt to one or two credit cards.
Do your homework. Be smart!
Step 2: The Smarter Home Search
Once we’ve received your credit decision and make any adjustments needed in your home search criteria, we’ll run a search of MLS United with the specs you have chosen for a home in the price range approved by your lender.
We’ll save the search and automatically alert you on your own personal portal with homes that match your search criteria.
Just specify exactly what you’re looking for and the most accurate and up-to-date information will be sent directly to you the moment it becomes available.
Step 3: The Top 10 List
theattituderules.com 