How Do I Obtain Financing?
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One of the first people you’ll need to work with is a loan officer or lender. This is the person who helps you understand the ins and outs of getting a loan, as well as any requirements or conditions.
The bank will provide an initial number of what it thinks you can afford based on your gross monthly income, but it’s up to you to account for your own personal budget and living expenses.
Once you’ve spoken with the lender, it’s worthwhile to get a pre-approval letter, which shows how much the bank would be willing to lend you based on your full financial picture.