Buying A New House

Buying a new home is one of the most exciting investments you can make! But, it can also be one of the most confusing and challenging as well. At Banas Mortgage Co., we’re here to make sure your experience is a memorable one for all the right reasons! From prequalification to closing, our experienced team is there for you every step of the way. We’ll start off with a one on one meeting to hear your story, and understand your exact needs, because our job isn’t done until you’re in the home you need! Find out what it’s like to be seen as a person, not a transaction at Banas Mortgage Co.
To learn more or schedule your initial meeting, give us a call!


  1. 1. Make sure your credit is in good shape.
    1. a. Check your credit score
      • Excellent Credit: 750+
      • Good Credit: 700-749
      • Fair Credit: 650-699
      • Poor Credit: 600-649
    2. b. Try to get your credit card balances below 40% of the limit
    3. c. It’s best to have at least 3 open and active accounts listed on your credit report
  2. 2. If you’re renting, pay by check
    1. a. Having documented proof of your last 12 months is of payment is often required by the lender
  3. 3. Obtain proof of employment for the past 2 years
    1. a. W2s and tax returns
    2. b. Paystubs covering 30 days
    3. c. Be prepared to explain any gaps in the employment
  4. 4. Avoid large deposits or withdrawals from your bank account
  5. 5. Determine a down payment amount based on your available funds
  6. 6. Obtain a pre-approval letter from an Independent Mortgage Professional
  7. 7. Research a local real estate agent

Call Us – 716-633-5888