The first step in buying a new home is to go to a Bank or a Loan Broker to get a Pre-approval letter NOT a Pre-qualification letter. Knowing the difference between the two will save you time and it will put you on the perfect position for your house hunt.
The Pre-approval letter you will get after they verify your paperwork will tell you exactly how much you can buy based on your income, expenses and credit. A Pre-qualification letter is only a guess based on what you said without verification.
Contact us and let's team up to find that dream house.