PRE-APPROVAL, WITHOUT THE PAPERWORK PANIC

Mortgage Pre-Approval Document Checklist

Gather these 4 items and your pre-approval moves fast. Check each one off as you collect it—your progress stays on this page while you work.

0 of 4 Documents Ready (0%)

Income & Employment

30 Days of Most Recent Pay StubsMust show year-to-date (YTD) earnings and employer name.2 Years of W-2s or Federal Tax ReturnsInclude all schedules if self-employed, 1099, or commission-based.

Assets & Bank Accounts

2 Months of Most Recent Bank StatementsUpload ALL pages (including blank pages) for checking and savings accounts.

Identity & Extras

Government-Issued Photo IDValid Driver's License or Passport.

3 Quick Rules to Avoid Underwriting Delays

Send Full PDFs, Not Screenshots: Download official monthly PDF statements directly from your bank or payroll portal—phone screenshots get kicked back by underwriting.
Include Every Single Page: Even if the last page of your bank statement says "This page intentionally left blank," include it so page counts remain unbroken.
Flag Large Deposits Early: Let us know upfront about any non-payroll deposits over $500–$1,000 in the last 60 days so we can document the paper trail smoothly.

This checklist covers the documents most borrowers need. Depending on your loan program, Hunter may ask for a few extras—but he'll tell you exactly what and why.