Credit checks and other paperwork

The next step now is to get a pre-approval done and be ready with your scores or work on it to fix it.
Most real estate agents ask you to go get a pre-approval done, just to make sure you are indeed serious about the house hunting. We again went with personal referrals and word-of-mouth. We chose Cassie Su, from Baycal Financial, in milpitas as our loan officer. Faxed a bunch of documents - 2 years worth of W2s, bank statements, green card etc and we were ready to meet with her. We met her today at 8am and in an hour, we were done! Approved for a loan of XXX,000 dollars. Phew, I did not know that I could borrow so much ;)

A copy was sent to Kumar and we were ready to jump into the real "house hunting" expedition!!