Articles on: Lending Process

What documentation do I need to provide to get pre-approved?

In addition to an online application, our secure site allows for clients to upload the documentation we will need so that we can finalize a loan decision for you. Please note that we never charge for this pre-approval service. The normal list of documentation needed is below, however certain situations or loan types may require more or less. We like to have a 10-minute discovery call up front to help refine the list to just your needs:

Clear copy of your driver's license
Current months' worth of paystubs
2 years’ most recent W2s and 1099s
2 years’ most recent personal federal tax returns
2 years’ most recent corporate tax returns for any corporations in which you have 25% or greater ownership
Most recent 2 months' bank statements
Most recent quarterly (or last 2 months') retirement/investment statements
Mortgage statements for all properties that you own
Homeowners insurance declaration page for all properties that you own
Current HOA statement for all properties that you own (if located in a condo or PUD development)
Lease agreements for any properties which you own and rent out to tenants

Once we receive your documentation we typically turn around a decision within 24 hours.

Updated on: 01/11/2021

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