Pre-Approval Checklist
Gather these documents and details before you apply. Being prepared speeds up the process.
Identity & status
- Government-issued photo ID (driver’s license or passport)
- Social Security number
- Residency / citizenship status (if applicable)
Income
- Pay stubs (most recent 30 days, or 2 months)
- W-2s (last 2 years)
- Tax returns (last 2 years), if self-employed or requested
- Proof of other income (bonuses, overtime, rental, investments, etc.)
Assets & accounts
- Bank statements (checking/savings, last 2 months)
- Investment / retirement account statements, if used for qualifying
- Source of down payment and closing costs (e.g., gift letter if applicable)
Debts & credit
- List of current debts (auto, student loans, credit cards, etc.)
- Landlord info and rent payment history (if renting)
- Bankruptcy / foreclosure paperwork (if applicable, last 7 years)
Employment
- Employer name, address, and phone
- Job title and length of employment
- If self-employed: 2 years tax returns and YTD P&L (if applicable)
Lenders may request additional items. Having this list ready helps get you pre-approved faster. Questions? Book a free consultation.
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