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Finances

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Financing

Apply for a home mortgage pre-approval.

A preapproval helps you understand how much you can afford, shows sellers you’re a serious buyer, and speeds up the process. Gather your financial documents, compare lenders, and take the first step toward owning your new home.

Home loan document checklist—use this checklist to help you gather documents for your home loan.

Income information

  • Most recent pay stubs with year-to-date information for all jobs for each borrower
  • Federal tax returns (1040s) for the 2 most recent years
  • W-2 or 1099 for the 2 most recent years
  • Retirement and/or social security income award letter
  • Written information if employed less than 2 years or if you have a gap in your employment in the last 2 years

Credit Information

  • Most recent 2-month asset statements (checking account, savings account, CDs, money market accounts, IRA, 401k…)
  • Credit explanation letter for any late payments, collections, or judgments
  • Documentation for any large deposits outside of payroll

Enhancement — integrate a lender list

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LenderCityE-mailPhone
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