如果想在加州買房，尤其是首購族(First time buyer)，除了現金買房，一定要先到自己常往來銀行辦一張Before buying a house, get pre-approval letter first.
Mortgage Pre-Approval (Letter) 這是下標房子一定要的半正式確認函
這是由銀行開出的證明，他從您的工作證明、信用分數、收入等條件，評估貸款條件，貸款評估信函(Pre-approval letter)具體描述可貸款金額、額度等評估。
如此一來，我們在看房子之前，才能衡量收入、自備款與可貸款金額去看這範圍的房子，可以避免錯估自己能力，造成出價(Make an offer)之後 因為貸款金額不足，造成對交易之間的拖延，或因此無法買房。
值得一提的是，常常也有客人，也許因為信用極佳，貸款條件好，可以購買超出預期所設下金額的房子。
我們先把Pre-approval letter做好，我們就可以開始去看房子了！
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如果沒有熟悉的銀行，我們公司也可以幫忙評估，需要您提供下列資料
Need:
1. Last 2 years W2 on your husband
(過去兩年的收入證明)
2. 2 most recent pay stubs for your husband
(近兩個月工資單)
3. 1 most recent bank statements (please provide all the bank accounts that you will use for the down pay of the purchase)
(近一個月銀行對帳單，如果有多家將用來繳付頭期款，請提供所有銀行)
4. If you both holds green card, please send me copies for the front and back sides of the card. (綠卡正反面影本)
If you hold H1 Visa or other type of Visa, please send me the paperwork.(工作簽證或合法居留美國簽證影本、證明)
5. Need your car loan or car lease statement.
(汽車貸款對帳單或是租車證明對帳單)
6. Need driver licenses copies for both of you.
(雙方駕照、護照影印本)
7. Please complete the attached loan application as much as you can.
(我們貸款單位回寄送表格給您填寫)
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Before buying a house, get pre-approval letter first.
What Does Mortgage Pre-Approval Mean? A Major Advantage When Buying a Home
Ming Wei Chien (Maggie)
Cell: 408-505-3003
Email: chienmingwei@gmail.com
BRE #01973756
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