Brooklyn Buyer

’s Pre-Approval Checklist

by Peter Mancini | Pe n Realty

1.

Gather

Y

our Income Documents

Last 2 years of W -2 forms 2 most recent pay stub s Any additional income documentation (p ension , chi ld suppo rt, etc.) Last 2 years of federal tax returns

2.

Organize

Y

our

Assets

2 most recent bank statements (checking/sa vi ngs) 401(k), IRA, or other retirement a ccount summari es Investment accounts (stocks, bonds, crypto if applica ble)

3.

Prepare Credit & Identity V

erification

Copy of government-iss ued ID Soci al Security card Current addresses (p ast 2 –5 years) Landlord contact info (if re nti ng)

4.

Ask the Right Questions to Len

ders

What loan types do you of fer? What’ s my estimated rate and APR? What are the estimated closing co sts? Are there any first-time buyer programs I qualify fo r? What’ s the average time to close?

5.

What *Not* to Do Before Clo

si

ng

DON’T change jobs DON’T open or close credit lines DON’T make major purchases (car , furniture, etc.) DON’T miss any bill payments DON’T move large sums between accounts Next Step: Get Pre-Approved! When you're ready , I'll connect you with a trusted Brooklyn-based lender like RCG Mortgage who will guide you every step of the way . Download the full Buyer’s Guide: penrealty .net Support Alzheimer’s research: penrealty .net/donate-to-caring-kind-ny Have questions? C all or text Peter Mancini : 91 7.916.512 6 Email: pmancini@penrealty .net