Before you begin searching for a home, it's wise to consult with your Loan Officer to get pre-approved for a loan. During this process, the lender will collect details about your income, assets, and debts to assess how much you can afford to spend on a house. This may involve reviewing your credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. Since there are various loan programs available, ensure you seek pre-qualification for those that align with your specific needs.