Silvia Herrera

NMLS# 2497009

1) What Kind Of Home Are You Looking To Buy? *

2) How many bedrooms are you looking for? *

1-2

3-4

5-6

3) Is this Your First property purchase? *

Yes

No

4) When are you looking to move? *

As soon as possible

Next Month

2-3 Month

4+ Month

5) What is your credit score, estimate to the best of your knowledge. *

6) How much are you planning to spend on your house? *

$

6a) How much money do you have set aside for down payment and closing costs? (or how much are you planning to have available) *

$

7) Have you already been pre-approved for a mortgage? *

Yes

No

8) Do you have a house to sell, as well? *

Yes

No

9) Have you filed bankruptcy, been evicted, or went through a foreclosure in the last 3 years? *

Yes

No

10) Are you already working with a real estate agent? *

Yes

No

Full Name *

Your Cell Number *

Email *

Don’t buy a new car or finance anything big.This can raise your debt and lower your approval amount.
Don’t apply for new credit cards or loans. Every credit inquiry affects your score and can trigger underwriting issues.
Don’t use your credit cards excessively. Try to keep balances under 30% of your limit.
Don’t deposit large amounts of cash. Lenders need to source all funds, and cash deposits can’t be verified.
Don’t co-sign for anyone else. Even if it’s “just helping,” it’ll count against your debt ratio.
Don’t make major changes to your bank accounts. Keep your money where it is until after closing.
Don’t skip communication. Always reach out if something changes — I’m here to help you navigate it.

Keep your finances stable: Continue paying all your bills on time, consistency is key.
Stay at your current job: Avoid switching jobs or changing your income source until after closing.
Keep communication open: If you’re unsure about a purchase or deposit, check with me first.
Save your paperwork: Hang on to pay stubs, bank statements, and any financial docs — we might need updated copies
Respond quickly: When we request documents, try to send them as soon as possible to avoid delays.
Stay pre-qualified ready: Any changes to your income, debt, or assets can affect your approval, so keep everything consistent.