Documents checklist
Exactly what your lender will ask for when you apply for pre-approval.
Having these ready before you start the application turns a multi-week back-and-forth into a same-week approval. Most of this overlaps with what you started gathering in Phase 1. Now it's time to actually hand it over.
Checklist
- Two years of tax returns and W-2s
- 30 days of recent pay stubs
- Two months of bank and asset statements
- Photo ID, Social Security number, and two-year address history
- Explanation letters for any large or unusual deposits
This step is general educational guidance, not legal, financial, or real estate advice. Your contract terms, deadlines, and local requirements always take precedence, so confirm specifics with your licensed professionals. Read our full disclaimer.