When buying a home in Bozeman, you will want to be prepared as the market moves quickly. Unless you are paying cash, first visit with lenders, choose the one who will work for you and get pre-qualified. You will need a pre-qualification letter when submitting an offer, most sellers will not want to respond to an offer without a pre-qualification letter assuring them that you are able to buy their home.
In order to get pre-qualified, you will need:
- 2 years of tax returns
- Pay stubs from last 3 months
- Documentation of any other income ie. dividends, etc.
- Expenses/Debt ie. credit cards, student loans, car loans
Many lenders can provide you pre-approval right away, but they will need the above information to pre-qualify you for a mortgage.