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What You’ll Need to Get Fully Pre-Approved (The Right Way)
What You’ll Need to Get Fully Pre-Approved (The Right Way)
Getting pre-approved isn’t just a box to check — it’s the foundation of a smooth, stress-free homebuying experience. A verified pre-approval means sellers take you seriously, agents trust your offer, and surprises are minimized.
Below is exactly what we’ll need to review to issue a strong, reliable pre-approval.
💼 Income Documentation
💼 Income Documentation
(What we need depends on how you’re paid)
If You’re W-2 (Hourly or Salaried):
If You’re W-2 (Hourly or Salaried):
Most recent 30 days of pay stubs
Last 2 years of W-2s
If You’re Self-Employed or 1099:
If You’re Self-Employed or 1099:
Last 2 years of personal tax returns
Last 2 years of business tax returns (if applicable)
Year-to-date Profit & Loss statement
Business license or CPA letter (sometimes required)
If You Receive Other Income:
If You Receive Other Income:
Social Security, pension, disability, or VA benefits award letters
Child support or alimony (only if you want it considered)
🏦 Assets & Funds to Close
🏦 Assets & Funds to Close
Last 2 months of bank statements (all pages, even blank ones)
Retirement accounts (401k, IRA, TSP) if used for reserves
Gift funds letter (if applicable)
Documentation for large deposits (we’ll guide you on this)
🪪 Personal Information
🪪 Personal Information
Government-issued photo ID (Driver’s License or Passport)
Social Security Number (for credit review)
Current address and housing history (last 2 years)
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