Buyer Resources

The Mortgage Pre-Approval Process


Tips and Resources for Starting Your Journey

Gathering Documentation

Before you start looking for a home, you'll need to select a lender. Before you start speaking to lenders to decide who you want to go with, we recommend that you get the following paperwork in order to ensure a smooth process:

    • Valid driver's license or other government-issued photo identification—should include date of birth Social security card.

    • Most recent statements for the last two months on all checking, savings, stock, mutual funds, IRA, or other liquid asset accounts.

    • If you are salaried, your most recent pay stubs for the last 30 days W-2 forms for the past two years, and full federal tax returns for the past two years, including all schedules.

    • If you are self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules.

    • If you have been divorced, a copy of final decree.

    • Documentation pertaining to any resolved or unresolved credit disputes you may have had.

    • Loan information, including balance, monthly payment, and any rents collected for other real estate owned, if applicable.

    • Sales contract, if available.

    • Accurate addresses and landlord/mortgage company information for past two years.

    • Certificate of Eligibility and DD-2214 or Statement Service, if applying for a VA loan.

    • If you filed a previous bankruptcy, a copy of complete bankruptcy papers with a copy of discharge.

    • If applying jointly, each borrower must provide the same documentation noted above.

    • If you sold property in the last three months, a copy of the settlement statement.


*Depending on your situation, you may be required to provide more or less documentation.


Finding A Great Lender

We have extensive experience with several lenders who have worked successfully with our past clients. These are lenders who we work with often, who we like, know, and trust. We are happy to share our list of preferred lenders with you and answer any questions you have about the buying process.

Simply fill out the green form on this page and we will share our list of premier lenders!



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