Step 3: Clean Up Your Credit Report Part of getting prequalified will include a check of your credit score. If your score comes in low, you won’t qualify for the best interest rates. The loan officer will advise you on what you can do to improve your score.
Step 4: Gather All Your Financial Documents In some cases, you might be able to prequalify for a loan without all of these documents, but it’s best to have them handy. 
Typically, what you will ultimately need to provide the loan officer is your most recent 2 years of tax returns, 2 months of bank statements, and 3 months of pay stubs. If these items are not immediately available, now is a good time to start gathering them. Step 5: Start Your Search Online You’re in the right place. LocationsHawaii.com is the most comprehensive real estate website, offering not only the all the “active” listings around the island and in the state, but “solds” and “pending properties” as well. 
With all the listings at your fingertips, you can take the dollar amount the loan officer gave you and view a list of everything on the Island at or below that price. You might be surprised at all you have to pick from. (Source:locationhawaii.com)
