To pre-qualify for a mortgage, your mortgage lender will need information about your financial situation. This will help determine how much you can afford to spend on a house, what kind of monthly payments you can afford, and what home loan program best suits your needs.
Some of the documents typically required when applying for a mortgage include:
Most Loan Applications
- Copy of a photo ID (driver’s license, government ID, etc.), for most loans
- Proof of Social Security Number (SSN) or ITIN for some loans
- Last 2 years of W-2 forms from your employer
- Last 30 days of pay stubs with a breakdown of pay and deductions
- Last 2 months’ bank statements
- 401 K or Retirement Statements last quarter or last 2 months if monthly
Additional Items You May Need
- 2 Years P&L if self-employed
- 2 Years Tax Returns if self-employed
- College transcripts (if you graduated within the last 2 years)
- Divorce decree or court order defining alimony or child support payments, if applicable
- Mortgage statement, tax bills, and homeowner’s insurance (if you currently own a home or land)
What Clients Say
I highly recommend Judi! She made the process so easy and was so helpful every step of the way. She was willing to be available on my schedule and made the process much better than I expected and we closed early!
Indian Trail Family
Judi is great to work with and she was very thorough and knowledgeable throughout our whole experience. If you have any questions, Judi is amazing with her response time. Overall, Judi was great to work with and I would recommend her.
Kevin & Nancy
Working with Judi was a blessing she helped me get my dream home.
She is well informed about VA loans and making sure all the t’s are crossed and i’s are dotted.
Veteran Weaverville NC