Documents Needed for Mortgage Pre-approval

Getting preapproved for a mortgage is a critical step in the home buying process. It not only gives you an idea of how much house you can afford but also shows sellers that you are a serious buyer. To get preapproved, you'll need to provide your lender with several documents that verify your income, assets, debts, and financial history. This page provides a detailed checklist of the documents you will need to gather for your mortgage preapproval.

Checklist of Documents Needed for Mortgage Preapproval

Personal Identification

• Valid government-issued photo ID (e.g., driver’s license or passport)
• Social Security number (for credit check purposes)

Proof of Income

• Recent pay stubs (last 30 days)
• W-2 forms from the past two years
• Proof of any additional income (bonuses, alimony, etc.)

Proof of Employment

• Contact information for your current employer and previous employers for the past 2 years

Proof of Assets

• Bank statements (last 2-3 months)
• Investment account statements (stocks, bonds, etc.)
• Retirement account statements (401(k), IRA, etc.)

Additional Documents for Self Employed Borrowers

• Last 2 years of personal and business tax returns
• Year to Date Profit & Loss Statement for all businesses

Debt Information

• List of all current debts (credit card, loans, etc.)
• Monthly debt payments

Other Documents

• Retirement Income Documentation (if applicable)
• Divorce decree (if applicable)

Once you have all your documents ready, it’s time to apply. Our online application process is streamlined and user-friendly, ensuring you can complete it with ease.

 Apply Now for Mortgage Pre-Approval