"Gathering all of your copies of the documents you need upfront, make it easier and faster to get pre-approved." - Jen Corso

🏡 Pre-Approval Checklist for Homebuyers

Everything you’ll need to get pre-approved (and avoid delays!)

Getting pre-approved is the first real step toward buying a home—and being prepared can make the process faster, smoother, and less stressful.

Use this checklist to gather everything your lender may ask for:

✅ Basic Information

• Government-issued ID (Driver’s license or passport)

• Social Security Number

• Current address (2-year history may be required)

• Contact information

💼 Employment & Income

• Last 30 days of pay stubs

• Last 2 years of W-2s

• Last 2 years of tax returns (all pages)

• Employer contact information

If self-employed:

• Last 2 years of personal AND business tax returns

• Profit & Loss statement (year-to-date)

• Business license (if applicable)

💰 Assets (What You Own)

• Last 2–3 months of bank statements (all pages)

• Retirement accounts (401k, IRA, etc.)

• Investment accounts (stocks, crypto, etc.)

• Gift funds letter (if someone is helping with down payment)

💳 Debts & Credit

• List of monthly debts (credit cards, loans, etc.)

• Student loan statements

• Auto loan information

• Bankruptcy or foreclosure documentation (if applicable)

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  🏠 Current Housing

  • Rent payment history or landlord contact

  • Mortgage statement (if you currently own a home)

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  ⚠️ Important “Life Situation” Documents (Often Overlooked!)

  These are the items that can delay approvals if not provided early 👇

  • Divorce decree or separation agreement

  • Child support or alimony documentation (received or paid)

  • Proof of child support income (if using it to qualify)

  • Legal name change documentation

  • Trust documents (if assets are held in a trust)

  • Power of attorney (if someone else is signing)

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  🧾 Additional Documents (If Applicable)

  • VA Certificate of Eligibility (for VA loans)

  • Green card or visa documentation (non-U.S. citizens)

  • Explanation letters for:

    • Gaps in employment

    • Large bank deposits

    • Credit issues

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  🚀 Pro Tips to Get Approved Faster

  • Don’t move money between accounts without documentation

  • Avoid opening new credit cards or loans

  • Keep making all payments on time

  • Be honest and upfront—your lender is there to help, not judge

🎯 What Happens Next?

Once you submit your documents:

1. Your lender reviews your financials

2. You receive a pre-approval letter

3. You’ll know your price range—and can start house hunting with confidence

Ready to take the first step?
Fill out the form to get connected with a trusted lender and start your homebuying journey today.

Want to have a conversation first? Schedule your FREE consultation here.

Read Blog: "Things Not to do After Getting Pre-Approved"

The Author is Jennifer Corso - Realtor and Insurance Agent. This article is for educational purposes and based on Jennifer Corso’s professional experience.