This takes the pre-qualification to the next step where the lender will verify your income, assets and credit. They will usually ask you to send them the following type of information:

  • Last 2 pay stubs
  • Last 2 years W-2’s
  • Last 2 years federal tax returns
  • Last 2 months bank statements (all pages) for all accounts
  • Last 2 months retirement and 401k statements (all pages) for all accounts
  • Clearly legible copy of Drivers License (for both of you).
  • Clearly legible copy of SS card (or passport) for both of you
  • Letter of explanation for any derogatory credit accounts

After receiving this type of information the lender will usually obtain an initial approval and issue a letter of pre-approval within 1-2 days.

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