Your first step toward owning a home

Start with a clear budget

Before you tour homes, align your monthly payment comfort with today's rates and likely taxes and insurance. A pre-approval letter turns that range into something sellers can trust.

What to prepare

Recent pay stubs and W-2s or tax returns if you are self-employed.
Bank and investment statements for assets used at closing.
A credit picture you understand. Surprises are easier to fix early.

When you are ready, contact our team to walk through programs that match your timeline.

← Back to blog

Approved applications are typically funded by the next business day. Applicants who submit a complete application before 11:00 a.m. Pacific Time, Monday through Friday, may receive funds the same business day. The exact time when loan funds are available to you depends on your financial institution. Approval may be subject to additional verification. Failure to provide requested documentation promptly may delay funding.

Freedom Finance lending products and lines of credit are offered by Freedom Finance or through approved lending partners. Open and active loans and lines of credit are serviced according to your loan agreement and applicable disclosures.

In states where products are offered through a partner institution, underwriting, approval, and funding may be performed by that institution. Refer to the loan programs and Terms & Conditions for your state for more information.

This website may use cookies and similar technologies, including analytics or session monitoring tools, to collect information about how you interact with our site. By using this site or signing in, you acknowledge that Freedom Finance may use these technologies as described in our Privacy Policy and Terms & Conditions.

California residents: Freedom Finance conducts business in compliance with applicable California law. Loans may be made pursuant to a California Financing Law license where applicable. Regulatory and license details are available upon request.

Kansas residents: licensing and lender information for your product is set forth in your loan documents and disclosures.