Home Buying 101 - Pre-Qualification

From the first step to the last, OCCU is here for you

Your first home is a major milestone in your life. So as you begin the homebuyer journey, you need more than paperwork and scheduled appointments to get you through the process. With OCCU, guidance is only a phone call or a click away. Between helpful advice and resources in the OCCU Homebuying 101 Center and a personal connection with an OCCU loan officer, you can be sure no questions will go unanswered as you start your homebuyer journey.

Check your credit report

The information contained in your credit report helps to determine your loan eligibility as well as the amount OCCU is willing to lend you for a home. To make sure you're on the right track before applying for a loan, check your credit report. If your report isn't quite ready for homebuying, give OCCU a call or speak with a loan officer to find simple ways to improve your credit.

Check Your Credit

Plan your budget

An OCCU loan officer will help you discover how much you'll be able to spend on a home. But before you decide to spend the full amount, there are other factors to consider. To learn more about the unexpected costs, review our 10 Unexpected Costs of Owning a Home guide. Then, calculate what you can afford with the Home Affordability Calculator.

Read Guide

Gather your documents

There are a handful of documents you'll need as you apply for a mortgage loan. To be prepared for your application and to even speed up the process, you should gather your documents into an organized folder early on. Find out which documents you'll need with our helpful checklist.

Download Documents

Apply for pre-qualification

Now that you know a little more about the mortgage loan process, it's time to take your first step toward your new home! To pre-qualify for a mortgage loan with OCCU, fill out the application below.

Apply

Contact an OCCU Loan Officer

If you have any questions or concerns about the loans we offer, please contact one of our loan officers today.

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