Скачать или смотреть Mortgage Pre-Approval 2025: Pre-Approval vs Pre-Qualification, Documents Needed & Credit Score Tips

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Are you trying to understand the difference between pre-approval vs pre-qualification before buying a home in 2025? In this video, Kristy Lea, your New Home Navigator, sits down with mortgage loan originator Lady Trena Folks to break down the full mortgage pre-approval process and explain what lenders really look for in 2025.

We walk through all the documents needed for pre-approval, including paystubs, W-2s, bank statements, tax returns, and proof of income. You’ll also learn how to improve your credit score to buy a house, how down payment assistance works in 2025, and what self-employed homebuyers need to prepare.

If you want clear, step-by-step first-time homebuyer tips 2025, home loan requirements, or guidance on how to get pre-approved for a home, this video gives you everything you need to get the keys and start house shopping with confidence.

TIMESTAMPS
00:00 – Welcome with Kristy Lea & Lady Trena
00:22 – What Is Pre-Qualification?
01:05 – Moving to Pre-Approval
01:40 – Documents Needed for Pre-Approval
02:35 – Paystubs, W-2s, Tax Returns, Bank Statements
03:40 – Down-Payment Assistance & Gifts
04:15 – Credit Score Habits for 2025
04:30 – Why Payment History Matters
05:00 – Your Pre-Approval Letter Explained
05:40 – Working with a Trusted Realtor

I proudly serve Sherman, Denison, Anna, Van Alstyne, McKinney, Melissa, Prosper, and the Texas Instruments (TI) relocation market.
Whether you're a first-time buyer or relocating for work, I’m here to guide you home.

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