07/29/2026
So, you want to buy a house? A VERY important step for you is getting your pre-approval in place.
Here is some information of what to have prepared when you meet with your lender of choice!
Every lender requires documentation as part of the process of approving a mortgage loan.
W-2 statements and tax returns — business tax returns if you're self-employed — for the last two or three years for every person signing the loan.
At least one pay stub for each person signing the loan.
Account numbers of all your credit cards and the amounts for any outstanding balances.
Two to four months of bank or credit union statements for both checking and savings accounts.
Lender, loan number, and amount owed on installment loans, such as student loans and car loans.
Addresses where you’ve lived for the last five to seven years, with names of landlords if appropriate.
Brokerage account statements for two to four months, as well as a list of any other major assets of value, such as a boat, RV, or stocks or bonds not held in a brokerage account.
Your most recent 401(k) or other retirement account statement.
Documentation to verify additional income, such as child support.
Don't let this process scare you away as it is all part of the process of finding your dream home. Using your favorite realtor can help you every step of the way - we are here to help you find that home in the price range that fits your lifestyle!
