Getting qualified to purchase is no easy chore these days. Preparation is the key. Being prepared for what's ahead in the process will get you to closing faster and with minimum effort. It's as simple as first having your credit checked online on your own. Know before you meet your loan officer what issues are on the report. Your loan officer will also ask you to have tax returns, w-2 forms and pay stubs in hand. Telling your loan officer you have the money to put down is one thing and not being able to show where its been for the last three months is another issue. Best bet bring the statements for three months. Supplying these few items will probably get you past the preapproval stage to make an offer. Good luck and happy shopping. I am available anytime for this consultation. Jim Brown 732.245.5121