--- title: Time to Buy a House? We Can Help You Every Step of the Way. description: No matter where you fall on your home-buying journey, we’ll help you find a mortgage with a low rate and low closing costs. image: https://blog.avadiancu.com/hubfs/2020_MortgageQ1_Journey_FB.jpg --- [Skip to main content](https://blog.avadiancu.com/time-to-buy-a-house-we-can-help-you-every-step-of-the-way#maincontent) # Time to Buy a House? We Can Help You Every Step of the Way. If you’re about to start your home search, learning as much as you can about the process is going to be a huge help. So let’s take a quick look at getting prequalified and why it’s important. *NOTE: This entry is adapted from an e-book we wrote on the home-buying process. You can download the full e-book *[*here*](https://promo.avadiancu.com/alabama-home-buyers-guide-ebook?_ga=2.35073510.650285641.1579731382-632466970.1555100167)*.![MakeAnOffer_Blog](https://blog.avadiancu.com/hs-fs/hubfs/MakeAnOffer_Blog.jpg?width=509&name=MakeAnOffer_Blog.jpg) * Not only will it tell you how much house you can afford, getting prequalified will also tell a potential seller that you already have financing lined up. To get the prequalified process going, your lender will ask you for several documents for each person whose name is on the loan: - Birthdates - Social Security Numbers - Copies of driver’s licenses - Copies of at least two most recent pay stubs - Copies of W-2 forms - Two-year residence history - Statements from your financial institution for the last two to three months - Copies of tax returns for the last two years (for self-employed borrowers or those with rental properties) - Copy of divorce decree/property settlement, if applicable The quicker you can provide these documents, the faster you can get an answer about your mortgage application. To schedule a conversation with an Avadian Mortgage Loan Officer, [click here](https://avadiancreditunion.zipforhome.com/CompanySite/Index).  Equal Housing Opportunity Lender ![Equal_Housing_Opportunity](https://blog.avadiancu.com/hs-fs/hubfs/Equal_Housing_Opportunity.jpg?width=22&name=Equal_Housing_Opportunity.jpg)   ### Topics - [Fraud Prevention (27)](https://blog.avadiancu.com/topic/fraud-prevention) - [Business Services (12)](https://blog.avadiancu.com/topic/business-services) - [Mortgages (9)](https://blog.avadiancu.com/topic/mortgages) - [Credit Unions (8)](https://blog.avadiancu.com/topic/credit-unions) - [Savings (8)](https://blog.avadiancu.com/topic/savings) - [Home Equity Line of Credit (7)](https://blog.avadiancu.com/topic/home-equity-line-of-credit) - [Online Banking (7)](https://blog.avadiancu.com/topic/online-banking) - [Black History Month (6)](https://blog.avadiancu.com/topic/black-history-month) - [Credit Cards (6)](https://blog.avadiancu.com/topic/credit-cards) - [Financial Literacy (5)](https://blog.avadiancu.com/topic/financial-literacy) - [Financial Management (5)](https://blog.avadiancu.com/topic/financial-management) - [Mobile Banking (5)](https://blog.avadiancu.com/topic/mobile-banking) - [Identity Theft (4)](https://blog.avadiancu.com/topic/identity-theft) - [Auto Loans (3)](https://blog.avadiancu.com/topic/auto-loans) - [Business Loan (3)](https://blog.avadiancu.com/topic/business-loan) - [Checking (3)](https://blog.avadiancu.com/topic/checking) - [Women's History Month 2023 (3)](https://blog.avadiancu.com/topic/womens-history-month-2023) - [CDs (2)](https://blog.avadiancu.com/topic/cds) - [Boat Loan (1)](https://blog.avadiancu.com/topic/boat-loan) - [Breast Cancer Awareness Month (1)](https://blog.avadiancu.com/topic/breast-cancer-awareness-month) - [Community (1)](https://blog.avadiancu.com/topic/community) - [Covid-19 (1)](https://blog.avadiancu.com/topic/covid-19) - [Deposit Insurance (1)](https://blog.avadiancu.com/topic/deposit-insurance) - [First Time Home Buyers (1)](https://blog.avadiancu.com/topic/first-time-home-buyers) - [Home-buying (1)](https://blog.avadiancu.com/topic/home-buying) - [Loans (1)](https://blog.avadiancu.com/topic/loans) - [Money Tips (1)](https://blog.avadiancu.com/topic/money-tips) - [Retirement (1)](https://blog.avadiancu.com/topic/retirement) - [Safe Deposit Box (1)](https://blog.avadiancu.com/topic/safe-deposit-box) - [Small business (1)](https://blog.avadiancu.com/topic/small-business) - [Taxes (1)](https://blog.avadiancu.com/topic/taxes) - [Tips (1)](https://blog.avadiancu.com/topic/tips) [see all](https://blog.avadiancu.com/time-to-buy-a-house-we-can-help-you-every-step-of-the-way#) - [Important Phone Numbers](https://avadiancu.com/Important-Phone-Numbers) - [Careers at Avadian](https://avadiancu.com/Employment-Opportunities) - [Volunteer for the Board](https://avadiancu.com/Membership/About-Avadian/Volunteer-Board) - [Privacy Policy](https://avadiancu.com/Privacy-Statement) - [Credit Card Agreement](https://avadiancu.com/Portals/0/VisaFolderApp%20-%20credit%20card%20agreement.pdf?ver=2018-04-15-133942-400×tamp=1523817605434) - High Contrast Mode OnOff - [Online Services Terms and Conditions](https://avadiancu.com/Portals/0/Avadian%20Credit%20Union%20-%20Online_Services_Agreement%2006-13-2018%20FINAL.pdf?ver=2019-02-19-170359-640) - [Accessibility Statement](https://avadiancu.com/Accessibility) - [Deposit Insurance ](https://avadiancu.com/Personal/Build/Safety-and-Soundness/Deposit-Insurance) - [Fee Schedule](https://avadiancu.com/Fee-Schedule) - [Member Discounts](https://avadiancu.com/Membership/Member-Services/I-Love-My-Credit-Union-Rewards) - [Site Index](https://avadiancu.com/SiteMapAVA) **Phone:** 888.282.3426 **Corporate Headquarters Mailing:** P.O. Box 360287 Birmingham, AL 35236-0287 Check us out on [![](https://blog.avadiancu.com/hs-fs/hubfs/facebook-new.png?noresize&width=25&height=25&name=facebook-new.png)](https://www.facebook.com/avadiancu) [![](https://blog.avadiancu.com/hs-fs/hubfs/twitter-new.png?noresize&width=25&height=25&name=twitter-new.png)](https://twitter.com/avadiancu) [![](https://blog.avadiancu.com/hs-fs/hubfs/rss-new.png?noresize&width=25&height=25&name=rss-new.png)](http://d5820851.u71.gohsphere.com/Blog) [![](https://blog.avadiancu.com/hs-fs/hubfs/pinterest-new.png?noresize&width=25&height=25&name=pinterest-new.png)](https://www.pinterest.com/alabamatelco/) [![](https://blog.avadiancu.com/hs-fs/hubfs/instagram-new.png?noresize&width=25&height=25&name=instagram-new.png)](https://www.instagram.com/avadiancu/) The credit union is federally insured by the NCUA. Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company. ![Equal Housing Lender](https://blog.avadiancu.com/hs-fs/hubfs/Equal%20Housing%20Opportunity_White.png?width=25&height=25&name=Equal%20Housing%20Opportunity_White.png) Equal Housing Opportunity Lender **·** Copyright © 2018 Avadian CU All rights reserved.