Before shopping for a home, work through your financing and a payment that fits your life.
Pre-qualification and pre-approval
A preliminary conversation can help frame your budget. A pre-approval generally involves more review, but the meaning and conditions depend on the lender. Ask what has been verified and what remains outstanding.
Prepare your documentation
Be ready to discuss income and employment, current debts, assets, housing history and funds for the purchase. Self-employment or multiple properties may require additional documentation. Use the secure application and upload instructions for sensitive information.
Keep the approval current
Discuss changes in income, employment, credit or purchase funds before making them. Once you find a property, your contract, title, appraisal and underwriting conditions still matter. Read the accepted-offer checklist
Talk through your next step
Jonathan Gibbons helps buyers and homeowners in Southeast Wisconsin, Greater Milwaukee and Madison compare financing options. Estimate a payment or contact Jonathan to discuss your plans.
Jonathan Gibbons · NMLS #427023 · Information reviewed October 5, 2026. General education, not a rate quote, approval or commitment to lend.