USA TODAY
From: Sharon Wu
Looking for mortgage experts to weigh in on how to apply for a mortgage
Suggested angles
Walk readers through the 5-7 key documents lenders now require in 2024 (pay stubs, tax returns, bank statements, employment verification, credit report authorization) and explain why each matters to underwriters evaluating loan risk
Address the timeline myth: most borrowers don't realize pre-approval takes 3-5 days but full approval can take 30-45 days, and explain what happens during the underwriting phase that USA TODAY readers should budget for
Discuss how credit scores have shifted post-pandemic—explain the specific score ranges lenders use for conventional vs. FHA vs. VA loans, and what first-time homebuyers often get wrong about their own creditworthiness
Position yourself as someone who can demystify the mortgage application process for USA TODAY's broad audience of potential homebuyers by breaking down the actual steps and timelines they'll encounter.
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