Home buying can sometimes be stressful. With our Purchase Ready program, you’ll have confidence when making an offer on a home knowing that it comes with an Underwriter reviewed Conditional Pre-Approval. 

Having your documentation reviewed by an underwriter early in the homebuying process can help you when negotiating a purchase agreement.  Sellers will know you’ve cleared many of the hurdles that can trip up a transaction down the road.  Plus, you’ll be paving the way for a smooth and efficient closing. 

Once you complete the preliminary determination, you will then provide the following documentation to submit to one of our in-house Underwriters for initial review. Often this process will take less than 48 hours.

Here’s what we'll need for our initial review:

• Two year income history
  • Employed:
    • Most recent paystub reflecting no less than 30 days earnings
    • Most recent two years of W2s
    • Most recent two years; filed/signed 1040s with all applicable schedules
  • Self-Employed:
    • Most recent two years; filed/signed 1040s with all applicable schedules
    • Most recent two years business returns for all businesses
  • Retired/SSI/Other:
    • Most recent award letter or most recent tax return
  • Child Support/Alimony:
    • Most recent six months’ receipt of income (consistent)
    • Divorce decree with Child Support Order
  • Assets:
    • Most recent two months bank statement for checking or savings account

It’s easy to get the process started.  Just click on the “Apply Now” link below to complete our online application.  Once submitted it will be routed directly to your Loan Officer who will follow up with you to outline next steps.

With a bit of preparation, KS StateBank can help streamline the process to make the home loan experience pleasant and seamless.  Please call me and let's get started on getting you into the home of your dreams!