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Don’t worry about your finances, opt for the professionals who will take care of them for you.

Searching for your new home is an exciting time, but before you schedule your first home tour, getting prequalified for a mortgage is an important first step, and we’re here to set you up for success.

Below is a checklist of important documents to provide your mortgage lender: 

Prepare two government-issued IDs, your social security number, divorce documents if relevant, and evidence of ownership for any other properties. 

Access your report free of charge. Rectify any inaccuracies or provide explanations for late payments or adverse items. Maintain a healthy credit score by abstaining from new credit inquiries, closing credit accounts, or reducing credit limits.

You will need to provide your most recent tax return, and potentially your returns from the last two years.

Assemble your W2s, paycheck stubs, 1099s, or a year-to-date profit and loss statement if self-employed. Additionally, you’ll need to document supplementary income sources like Social Security, child support (including proof of children’s ages), or government aid.

Supply bank statements, mutual fund statements, and balances for retirement accounts, 401Ks, IRAs, and investments in the stock market.

Present a summary of debts, monthly payment amounts, child support payments, and balances for credit cards, student loans, car loans, and any other property loans.

Offer a written explanation for any previous bankruptcies or financial setbacks.

Ensure these funds are readily available in your bank account. If the funds were gifted, provide a letter from the donor affirming it is not a loan.

Compile evidence of rental payments for the past year using canceled checks or money orders to demonstrate timely payments.

We encourage you to shop around and contact other lenders. A home is likely the largest purchase you’ll ever make- do your homework to ensure you get a competitive deal. 

Applying for your first mortgage? Connect with us today! We are here to walk you through the process and help you find the best mortgage partner for your family