12/08/2025
For EVERYONE who said 2025 is your year to become a homeowner, and still dont have YOUR HOUSE KEYS 🔑…. let’s talk requirements & GET SERIOUS🧐🏡
Here’s what lenders typically look for when getting you approved:
✅ Credit: 580+ FICO (higher scores may qualify for down payment assistance)
✅ Income Proof: Last 30 days of pay stubs
✅ Work History: 2 years of W2s
✅ Banking: Most recent 2 months of bank statements
✅ ID: Valid driver’s license or state ID
✅ Employment: Must be currently working, steady work history of 2 years
✅ Bankruptcy:
•Chapter 13 is okay with at least 12 months of on time payments
•No Chapter 7 in the last 2 years
✅ Self Employed? That’s okay, you’ll need 2 years of tax returns
✅ Other Income Accepted: Disability, SSI, retirement, and child support
❌ Not Accepted as Sole Income: Unemployment or workers’ comp
Funds can come from savings, checking, gift funds, or even a 401k
✨ If you’re serious about starting your homeownership journey next year, let’s get you prepared the right way. Ready to get started?
Let's talk HOMEOWNERSHIP 🔑
☎️ 501-422-1254
Keller Williams Realty
12814 Cantrell Rd, Little Rock, AR 72223
