Pre-Approval Checklist

In conjunction with completing the loan application from this website, I will need the items applicable to you from the list below to process your mortgage pre-approval. Please send exactly what is stated, to avoid delays in the application process. Please refrain from sending screenshots of documentation. We prefer .PDF or similar document types. 

  • Please provide your most recent 30 days' worth of consecutive paystubs for all borrowers being included on the mortgage transaction.
  • Copies of your W-2's or 1099’s for the past two years for ALL jobs worked.
  • Please provide complete copies of your last two years’ Federal tax returns, personal or business, including all pages and schedules
  • Legible copy of your government issued photo ID (driver’s license, State ID, passport, etc.)
  • Please provide a legible copy of your Social Security Card (or green card, work visa, etc.)
  • Please provide copies of your most recent 60 days' worth of consecutive bank statements to document cash available to close. If assets are coming from another source, please advise.
  • If you are a veteran and wish to take advantage of financing through the Veteran's Administration (VA), please provide a copy of your Certificate of Eligibility (DD214)

  • If using alimony or child support as income, please provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year
  • If using Social Security, Disability or VA benefits as income, please provide current award letter from agency or organization.

Source of Funds for Closing Costs and Down Payment

  • Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
  • Savings, checking or money market funds - provide copies of consecutive bank statements for the last 3 months
  • Stocks and bonds - provide copies of your statement from your broker or copies of certificates
  • Gifts - If you will be using gift funds as part of your cash to close, please provide a recent bank statement from the donor prior to any funds being transferred.

If you currently own real estate, please forward the following items additionally for ALL properties owned:

  • Copy of current mortgage payment coupon/statement displaying full payment breakdown for principal, interest and escrows if applicable
  • Copy of current property tax bill to confirm total property taxes owed on property (all municipalities)
  • Copy of hazard insurance declarations page to confirm total homeowner's insurance premium owed on the property

If you are looking to REFINANCE, please forward the following items additionally: 

  • Please contact your existing mortgage company and request a payoff statement for the property being refinanced.
  • Please forward a copy of your existing NOTE and Warranty Deed for the subject property.
  • Please forward a copy of your existing property survey.

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