Hi, I’m Kaylee Hamling, a mortgage loan officer here in the beautiful Black Hills. I love helping people turn the dream of homeownership into reality, and one of the very first steps is getting pre-approved for a home loan. It might sound intimidating, but I promise—it’s a lot simpler when you know what to expect.
Mortgage Pre-Approval Steps You Can Count On
Here’s how to make it happen:
- Check Your Credit – Your credit score is one of the biggest factors lenders look at. Pull your report, review it for errors, and take care of any issues before applying.
- Gather Your Paperwork – Think of this as your South Dakota home loan checklist. Lenders need to verify your income, assets, and debts, which means pay stubs, tax returns, bank statements, and a list of any outstanding loans.
- Know Your Budget – A pre-approval will give you a number, but it’s smart to think about what you’re comfortable paying each month, not just what you qualify for.
- Work with a Trusted Lender – Whether it’s a local credit union or a mortgage loan officer you trust (like me!), choose someone who communicates clearly and puts your needs first.
Once your application is reviewed, you’ll receive a pre-approval letter. Think of it as your homebuying VIP pass—it shows sellers you’re serious and financially ready.
Ready to Start?
If you’re in the Black Hills or surrounding areas, I’d love to guide you through the process. Together, we’ll make sure you’re confident, prepared, and excited for that moment when you get your keys.
