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What Documents will You Need for a Mortgage Pre-approval?

January 22, 2018

The documentation list below should only be used as a general guide. You should ask your lender exactly what you need. Here are the most common items requested when getting pre-approved:

 

  • Personal information such as your driver’s license, Social Security number, marital status, contact information and address

  • Recent statements from your bank accounts and any investment accounts (exactly how far back you’ll have to go depends on the lender)

  • Employment information, including where you have worked and for how long, as well as recent paycheck stubs and W-2 income tax forms for the last two years

  • Your total monthly expenses, which includes bills you pay regularly

  • Your overall financial condition, which includes all of your assets (stocks, 401(k), IRAs, bonds, cash) and all of your liabilities (any debts such as credit card debt, student loans, car loans)

  • Profit and loss statements if you are self-employed

  • Rental property income

  • Canceled checks for rent, which shows your payment history

  • Gift letters, if you are using a gift from a relative to help cover the down payment

It’s helpful to create a folder in Google Drive or Dropbox where you can upload and update all documents in one place. If you wind up ultimately choosing a different lender than the one you used for your pre-approval, you’ll be able to share documents with just a few clicks.

 

Article provided by https://www.nerdwallet.com/blog/mortgages/preapproved-mortgage-matters/

 

 

 

 

 

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