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Mortgage 101 - Application Checklist

Getting pre-approved (or applying for a mortgage) doesn’t need to be complicated especially when you know what to expect. This checklist will help you gather the essential information and documents you’ll need to streamline the process. Having these items ready can help prevent delays and ensure a smoother, faster experience.

We believe preparation reduces stress and we’re here to make sure you feel confident and ready.

Mortgage 101 – Application Checklist: How Should I Prepare?

Personal Information

Government-issued photo ID (driver’s license or passport)
Social Security Number
Current address history (last 2 years)

Income Verification

Recent pay stubs (last 30 days)
W-2s (last 2 years)
Tax returns (especially if self-employed)
Proof of additional income (bonuses, alimony, etc.

Asset Documentation

Bank statements (last 2 months)
Retirement account statements (401(k), IRA)
Investment account summaries

Debts & Obligations

List of monthly debts (student loans, auto loans, credit cards)
Child support or alimony documentation (if applicable)

Property Details (if applicable)

Purchase agreement (if already under contract)
Contact info for your realtor

How to Prepare Before Submitting Your Mortgage Application

Practical Tips to Prepare for a Smooth Mortgage Application

Gather Your Financial Documents Early

Collect at least two years of tax returns, W-2s or 1099s, recent pay stubs, and bank statements. Having these ready speeds up the approval process.

Check Your Credit Before Applying

Review your credit report for errors and take steps to reduce outstanding debt. A better credit score can lead to lower interest rates and better terms.

Avoid Major Financial Changes

Hold off on big purchases, job changes, or new credit accounts during the mortgage process. Lenders want to see consistency and stability.

Speak With a Mortgage Advisor

Schedule a free consultation with our team and let’s make things happen!

Get Pre-Approved today! (We're Here to Help)

Schedule a free consultation with our team and let’s make things happen!