買房步驟 (一) Pre-Approval Letter


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。


我們先把Pre-approval letter做好,我們就可以開始去看房子了!



1. Last 2 years W2 on your husband
2. 2 most recent pay stubs for your husband
3. 1 most recent bank statements (please provide all the bank accounts that you will use for the down pay of the purchase)
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.
6.  Need driver licenses copies for both of you.
7.  Please complete the attached loan application as much as you can.

Before buying a house, get pre-approval letter first.


Ming Wei Chien (Maggie)
Cell: 408-505-3003
Email: chienmingwei@gmail.com
BRE #01973756

認識 Maggie Chien









  • 電話/簡訊  408-505-3003 (如未接聽請留言)
  • 電郵: mingwei@kw.com
  • LINE: chienmingwei

全職加州地產經理 CA Real Estate Broker、National Board of Realtors、California Association of Realtors、以及 Silicon Valley Association of Realtors的會員。DRE#01973756

I am a California realtor/broker associate in the Silicon Valley, currently working with Keller Williams Realty.

I have always had a passion for Real Estate.  As an Editor/Journalist in Taiwan, I had written hundreds of news articles covering Real Estate and Interior Design.  After moving to the SF Bay Area in 2014, I followed my passion and embarked on a successful career as a Real Estate agent/broker.

For my buying clients, I understand home ownership is a big part of the American Dream and I will help you to achieve this goal with logic and data:

–          Find/compare/verify the house of your need

–          Review all property inspection reports, seller disclosures, permit history, HOA docs, etc. with you

–          Explain all contractual documents to help you make the strongest offer with confidence

–          Share a buyer’s only checklist with you prior to making an offer

For my selling clients, I understand it can be a very stressful process determining when to sell, how to price and market the house.  I will greatly reduce your burden by:

–          Thorough analysis on market condition, timing and price

–          Prepare all documents and escrow account

–          Touch up/renovate the house with my team of contractors

–          Showcase the house with professional staging

–          Advertise and conduct open house

–          Review and select the strongest offer with confidence

Cell Phone  408-505-3003

FB/email  mingwei@kw.com

Wechat  maggiechien002

LINE  chienmingwei

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Check my review and call for a free consultation today