Starting your home search with a pre-approval gives you a clear understanding of your budget, so you can focus on homes that fit your
financial situation. It also provides a competitive edge when you’re ready to make an offer, as a pre-approval letter shows sellers you’re serious
and have the financing to back it up.
To get started, you’ll need to gather several key documents. These include your loan application, state-issued photo ID, pay stubs, tax returns,
and more. The following checklist outlines the typical documents required for mortgage pre-approval:
• Loan Application
• State-Issued Picture ID
• Most Recent 30 Days of Pay Stubs
• Most Recent 2 Years of W-2s or 1099s
• Most Recent 2 Years of Federal Tax Returns
• Most Recent 2 Months of Bank Statements
• Mortgage Statements for Any Property Currently Owned
Please note that additional documents may be required based on your unique financial situation.
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