Know what you canafford before you shop.
A strong home search starts with a clear financing plan. Spartan Lending helps you understand your purchasing power, compare eligible loan options and prepare for the road ahead.
Why pre-approval matters.
From preparation to closing.
Prepare
Share your goals, income, assets, debts and property plans.
Apply
Complete the secure application and upload supporting documents.
Compare
Review programs and estimated scenarios that may fit your profile.
Verify
Complete underwriting, appraisal and any remaining conditions.
Close
Review final documents and complete the purchase.
What to have ready.
Having these on hand lets your loan officer give you a realistic picture on the first call instead of the third.
- Photo ID for every borrower on the loan
- Two most recent pay stubs
- W-2s or 1099s for the last two years
- Two most recent bank and asset statements
- Federal tax returns if self-employed
- Details on the property or price range you have in mind
Tempe, AZ 85288
Phoenix, AZ 85037
Frequently asked questions.
Does pre-approval guarantee a loan?
No. Pre-approval is conditional. Property, appraisal, documentation, underwriting and program requirements still apply.
Can I buy with less than 20% down?
Potentially. Several programs may allow lower down payments for eligible borrowers. A loan officer can help you compare requirements and costs.
How long does the process usually take?
Timelines vary by program, property and how quickly documentation is provided. Your loan officer will give you an estimated schedule once your file is under review.
Does Spartan Lending work with self-employed buyers?
Yes. As a broker we have access to bank statement, 1099, profit-and-loss and asset-based programs that many single-lender shops do not offer. Eligibility depends on program guidelines.
Your next step starts with a conversation.
Whether you are ready to apply or still comparing possibilities, our team can help you understand what comes next.