Your Complimentary Homebuyer Guide
Your Journey. Your Home. Your Voyage.
At Voyage Home Loans, we believe informed buyers make confident homeowners. That's why we created the Voyage Homebuyer Toolkit™—a practical guide to help you understand the mortgage pre-approval process, organize the documents commonly requested by lenders, and begin your homebuying journey with confidence.
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Whether you're buying your first home or you're a REALTOR® looking for a professional resource to share with clients, this guide will help simplify the mortgage process.
Why Get Pre-Approved Before You Start House Hunting?
A mortgage pre-approval is one of the most important first steps in the homebuying journey. It helps you understand your budget, identify potential financing concerns early, and positions you as a stronger buyer when you're ready to make an offer.
Getting pre-approved first helps you save time, reduce stress, and shop with confidence.
Know Your Budget
Know your purchasing power before you start looking at homes.
Strengthen Your Offer
Many sellers view pre-approved buyers as more serious and financially prepared.
Identify Potential Issues Early
Resolve credit, income, or documentation issues before they delay your purchase.
Move Faster
Be ready to submit an offer when the right home becomes available.
Shop With Confidence
Focus on homes that fit your budget and long-term financial goals.
Additional Documents
✓ Divorce Decree
✓ Bankruptcy Documentation
✓ Child Support or Alimony Documentation
✓ Explanations for Credit Events
✓ Documentation for Rental Properties or Additional Income Sources
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Please note: Additional documentation may be requested based on your loan program and financial situation.
Identification
✓ Driver's License
✓ State Identification Card
✓ Passport (if applicable)
Income Documentation
✓ Recent Pay Stubs
✓ W-2 Forms
✓ Federal Tax Returns (if applicable)
✓ Social Security, Pension, or Retirement Income Documentation (if applicable)
Asset Documentation
✓ Recent Bank Statements
✓ Retirement Account Statements
✓ Investment Account Statements
✓ Documentation for Gift Funds (if applicable)
Employment Information
✓ Employer Name and Contact Information
✓ Position and Length of Employment
✓ Two-Year Employment History
What Happens Next?
Our goal is to make the mortgage process simple, transparent, and stress‑free. Here's what you can expect after you apply.
STEP 1
Complete Your Secure Application
Complete your online mortgage application through our secure lending portal.
STEP 2
Upload Your Documents
We'll guide you through securely uploading any requested documentation.
STEP 3
Personalized Loan Review
We'll review your information and match you with financing options that best fit your goals.
Step 4
Receive Your Pre-Approval
We'll discuss your purchasing power, monthly payment options, and next steps.
Step 5
Start Shopping With Confidence
Now you'll know exactly what price range fits your budget so you can shop confidently with your Realtor.
Why Choose Voyage Home Loans?
At Voyage Home Loans, we believe every borrower deserves personalized guidance and financing solutions tailored to their goals. As an independent mortgage brokerage, we compare multiple lending partners to help identify competitive loan options that fit your unique financial situation.
Whether you're purchasing your first home, your next home, or building a custom home, our team is committed to providing a straightforward, responsive, and personalized mortgage experience from application through closing.
The Voyage Difference
✓ Access to Multiple Lending Partners
✓ Personalized Mortgage Guidance
✓ Competitive Rates & Loan Options
✓ Fast & Secure Digital Application
✓ Dedicated Support From Application to Closing
✓ One Application, Multiple Lending Options
