Important Please Read Carefully:

Below is a list of the documents normally we will required for Mortgage Loan Application. Collecting the necessary documentation in advance will save you significant time in the loan process. It is possible that you may need additional documents depending on your situation and the type of loan. We will inform you if additional documents are necessary.

Please Send us the Following Documents as soon as Possible
All original documents will be returned before you close with us. We will call you within 48 business hours of our receipt of your package.

• Copies of W-2’s and signed tax returns for last two years.
• Copies of paycheck stubs for last 30 days (most current).
• Copies of checking and saving account statements for last two months (all pages).
• Copies of quarterly or semi-annual statements for checking, sharing etc.
• Copy of Sales Contract (when available)
• Employment history last two years (address any gaps in employment).
• Residency history last two years, with name, phone number, address, and account number of landlord or a mortgage statement. For rental property; copies of leases plus mortgage information, property tax, HOI.
• Canceled earnest money check (when it clears) or corresponding bank statement, if applicable.
• Any assets used for down payment, closing cost, and cash reserves must be documented by a paper trail.
• Copy of social security card and driver’s license.
• If paid off mortgage in the last year, need copies of CD/HUD1 or release of lien.
• Refinance copy or note, settlement statement, survey.

• Relocation Agreement if move is financed by employer, i.e. buyout agreement plus documentation outlining company paid closing costs benefits.
• Previous bankruptcy – need copies of petition for bankruptcy and discharge, including supporting schedule.
• Divorce Decree if applicable.
• Documentation supporting monies received from social security/retirement trust income, i.e. copies of direct deposit bank statements, awards letter, evidence income will continue.

• Copies of signed business tax returns for last two years.
• YTD Profit & Loss Statement and Balance Sheet.
• Copy of Business License or CPA contact information.
• 1099s or K1 forms.

• FHA: Copy of social security card for each applicant and co-applicant.
• VA: Original certificate of eligibility and copy of DD214 discharge paper.
• VA: Name and address of nearest living relative.

📋 What Exactly is a Mortgage Pre-Approval?

A mortgage preapproval is a statement, usually a document or letter, of how much money a lender is willing to let you borrow to pay for a home. The preapproval indicates that the lender is prepared to move forward with the loan as long as the home meets certain criteria and your financial situation doesn’t change drastically while you look for a home to purchase.

The preapproval is based on your financial profile, including your income, how much money you have in the bank and investment accounts and your debts. The lender performs a hard credit inquiry as part of the preapproval process, as well.

⚖️ Pre-Qualification vs Pre-Approval

A mortgage pre-approval uses your verified credit score, income documentation, bank statements, and employment verification to approve you, as a buyer, to purchase a home.

A pre-qualification does not use verified information to approve you, whereas a pre-approval does. Pre-qualifications use self-reported information and don’t take the additional steps to verify it.

✨ Benefits of Getting Pre-Approved

• Understand affordability – specifies the loan amount a lender is willing to offer
• Inspires confidence with home sellers – demonstrates genuine commitment
• Speeds up the closing process – significant part of the groundwork is already completed
• Competitive edge in multiple offer situations