6 documents you need to start your pre-approval process

Start gathering these documents today

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If you are thinking about buying a house, preparation will make the process easier, smoother, and merrier!
One of the most important things that you need to start working on, is the process of getting approved for a mortgage.

In this blog post, I’ll share with you 6 documents you MUST start gathering so the pre-approval process is quick and easy.

But before we get into the documents, my first pro tip is to create a folder on your computer to store all the documents you will need so you can access them quickly and easily. This way, when you start working with a loan officer, you will have the documents available.

Pay Stubs

Lenders want to know your income, and one of the best ways to verify your income is through your check stubs. But if you get direct deposits, you may not have seen your check stubs for a while. You can contact your human resources department to find out how to access a copy of your pay stubs, and they’ll probably want at least 30 days of pay stubs. A lot of my clients try to give screenshots of the pay stubs, but some lenders will not take these. Typically, lenders want a PDF of your check stubs. If you have more than one job, you need the pay stubs from each employer.

If you get any additional income such as child support, alimony, a pension, retirement account, or Social Security, you want to document that income as well. You need to go to whatever the income source is to find the official paperwork for that income. This could be a divorce decree, your retirement statement, your social security statement, or other relevant documents. You want to download these as PDF documents or scan them into PDF documents.


The second document you’ll need is your W-2 form for the last two years. Lenders want to see how much you’re making year to year and whether your income has increased or decreased.

Tax Returns

The third document is your tax returns for the last two years. If you’re self-employed, you may also need to provide a profit and loss statement and balance sheet for your business.

Bank Statements

Fourth on the list is your bank statements. Lenders want to see your assets, liabilities, and cash flow. You’ll need to provide statements for all of your accounts, including savings, checking, and retirement accounts.


Fifth on the list is your driver’s license or other government-issued identification. This is necessary for identification verification.

Gift Letter

Finally, you will need a gift letter if you are receiving a gift from a family member to help you with your down payment. The letter needs to state that the gift is not a loan and that you are not expected to repay it.

Remember, applying for a mortgage can be a long and complicated process, but if you have all of these documents ready, you’ll be able to complete your application like a pro. So go ahead and start compiling your documents now and please give me a call if you need any assistance. I’m here to help you.

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Flor Ibarra

Dallas-Fort Worth Realtor

I help families and investors in north Texas find and sell their properties.

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