before your lease term is up, or long before the time of year
you would like to move arrives, you need to assess your
finances. You need to talk with a lender.
This involves being able to prove where your down payment is
coming from, putting in order any documents you might need to
provide, discussing with the lender what your options are and
getting a loan approval. A lender will want to see proof of
the source for funds. Be prepared to provide bank and financial
statements, cancelled checks and even deposit receipts. The lender
needs to make sure that the funds are "seasoned" (you’ve had it for
at least few months) and that they are liquid assets (you can
easily withdraw it).