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Your uncle loves to give advice especially when it comes to homeownership. Sure, he owns a home. But, he also nearly fell through the ceiling in that home when he was “fixing” the leaky roof. Uncle Steve’s no roofer. He’s also not a mortgage expert...

We are. You may be tempted to listen to the people in your life—your dad, your cousin, your friend Kristen—who have a mortgage when you’re ready to start the process yourself. But, just because they own a home, doesn’t mean they have the expertise to help you navigate the nuances of buying a home. We’re your experts. And, we have the perfect tool to help you get started quickly, easily, and securely.

Call us at 833-Zoom4Me (833-966-6463) or click the button below to get started!

A digital mortgage tool with a personal touch.

We’re proud to offer WintrustZoom, our digital mortgage application tool that offers something you won’t find anywhere else: our people. You can simply and conveniently start the process, and wherever you want to pull us in along the way, we’ll be waiting. WintrustZoom gives you:

  • A simplified application
  • A faster decision process
  • A speedy and secure experience
  • Experts to help you navigate
Father and daughter

So, what do you need to get started?

  • Applicant's Social Security number and birthdate
  • Alimony and/or child support that’s part of income, including legal documentation along with a 12-month payment history
  • Two years of employment history
  • Last 30 days’ pay stubs
  • For those who are self-employed, two years’ business tax returns & K1s (the complete tax return including all schedules)
  • Two years of W-2 tax forms and tax returns (the complete tax return including all schedules)
  • All pages of the last two months’ bank statements
  • Names and addresses of all creditors, monthly payments, and total amounts due for all current loans
  • All pages of the statements of current assets (IRAs, CDs, employee retirement accounts, stocks and bonds)

Ready to begin? First, pre-qualify.

Before you start looking for your new home, you need to know how much you can afford. The pre-qualification process helps you get a sense of whether you're ready to take on a mortgage. It's a simple, no obligation step to help you get started towards homeownership.

1. Determine how much you can afford. You don't want something that's too much, but you don't want something that's less than what you can actually afford. Pre-qualify to find your perfect range.

2. See how much you'll need for a down payment. Pre-qualifying also helps you determine how much you'll need to put down. But, don't let the down payment stand in your way; there are first-time homebuyer programs that can help offset down payment costs.

3. Figure out your mortgage payment. Get a sense of your monthly principal, interest, taxes, and insurance payments to see if the payment works within your budget.

Once you're pre-qualified, you'll receive a certificate to give to your real estate agent to prove you're a serious potential homebuyer. Then, the fun begins!

Keep in mind that a pre-qualification isn’t a full application. It’s only an estimation of how much home you can afford.

Want more information? Check out some of our other resources.

First-time Homebuyer Helpful Programs
Home Down Payment: 7 Myths Debunked
Know Your Mortgage Buzzwords
5 Simple Steps to Homebuying
5 Things That Can Derail Your Mortgage Approval
How to buy a house when you have student loan debt
Wintrust Mortgage

At Wintrust Mortgage, we've got the easy-to-use tools and the expert staff to help you reach your dream of homeownership.

Click here to learn more about us!