BUYER QUALIFICATION CHECKLIST

Created by ChecklistGuro (https://checklistguro.com)


--- FINANCIAL READINESS ---
[ ] Gross Annual Income
[ ] Liquid Assets (Savings, Investments)
[ ] Debt-to-Income Ratio (DTI)
[ ] Estimated Credit Score Range
[ ] Employment Status (Employed, Self-Employed, Retired, Other)
[ ] Desired Loan Type (Conventional, FHA, VA, USDA, Other)
[ ] Explanation of Assets (if unusual or complex)

--- CREDIT & INCOME VERIFICATION ---
[ ] Credit Score (Equifax)
[ ] Credit Score (Experian)
[ ] Credit Score (TransUnion)
[ ] Gross Monthly Income
[ ] Debt-to-Income Ratio (DTI)
[ ] Employment History (Last 2 Years)
[ ] Pay Stubs (Most Recent 2)
[ ] Employment Type (Salaried, Hourly, Self-Employed, Other)
[ ] Explanation of any Credit Inquiries (if applicable)

--- PRE-APPROVAL/PRE-QUALIFICATION ---
[ ] Pre-Approval Amount ($)
[ ] Lender Type (Bank, Credit Union, Mortgage Broker, Online Lender)
[ ] Loan Program Type (Conventional, FHA, VA, USDA, Jumbo)
[ ] Pre-Approval Expiration Date
[ ] Pre-Approval Letter
[ ] Notes Regarding Pre-Approval (e.g., conditions, specific loan terms)
[ ] Interest Rate (Estimated) (Under 3%, 3-4%, 4-5%, Over 5%)

--- DOWN PAYMENT & CLOSING COSTS ---
[ ] Down Payment Amount
[ ] Estimated Closing Costs
[ ] Funds Available for Closing
[ ] Reserve Funds Available (for emergencies)
[ ] Source of Down Payment Funds (Savings, Gift, Loan, Investment Account, Other)
[ ] Proof of Funds (Bank Statements, etc.)
[ ] Explanation of any unusual funding sources or large deposits

--- LEGAL & IDENTITY VERIFICATION ---
[ ] Full Legal Name
[ ] Date of Birth
[ ] Current Address
[ ] Social Security Number (Last 4 Digits)
[ ] Government-Issued Photo ID (e.g., Driver's License, Passport)
[ ] Marital Status (Single, Married, Divorced, Widowed, Separated)
[ ] Are there any legal proceedings or judgements pending that could impact the transaction?

--- MOTIVATION & TIMELINE ---
[ ] Briefly describe your reasons for wanting to purchase a home.
[ ] On a scale of 1-10 (1 being not urgent, 10 being extremely urgent), how important is it to purchase a home within the next 3 months?
[ ] What is your ideal move-in date?
[ ] What is the primary reason for your home purchase? (Primary Residence, Investment Property, Vacation Home, Relocation, Other)
[ ] Are there any specific circumstances (e.g., job change, family expansion) driving your timeline?
[ ] How flexible are you with your target move-in date? (Very Flexible (within 6 months), Somewhat Flexible (within 3 months), Not Flexible (target date is firm))

--- PROPERTY UNDERSTANDING & GOALS ---
[ ] Describe your ideal property and what you're looking for in a home.
[ ] Which of the following features are 'must-haves' for you? (Garage, Yard/Outdoor Space, Updated Kitchen, Proximity to Schools, Homeowners Association (HOA), Walkability to Amenities)
[ ] What is your ideal square footage?
[ ] What type of property are you primarily interested in? (Single-Family Home, Condominium, Townhouse, Multi-Family Home, Land)
[ ] What are your priorities when choosing a location? (e.g., schools, commute, safety)
[ ] What is your target move-in date?

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