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
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.