Preapproval is more than a letter; it is your golden ticket to serious home shopping. Sellers trust it, agents love it, and it saves you time and stress once you find the right place. This checklist makes sure you show up ready.

Section 1: Income Documents

•      Last two years of W-2s or tax returns (especially if self-employed)

•      Recent pay stubs (last 30 days)

•      Additional income proof (bonuses, side work, alimony if applicable)

Section 2: Asset Verification

•      Bank statements for all accounts (checking, savings, retirement)

•      Documentation for any gift funds being used

•      Records of large deposits or withdrawals

Section 3: ID and Legal Info

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

•      Social Security number (for credit pull)

•      Green card or visa if not a U.S. citizen

Section 4: Debt Snapshot

•      List of monthly debt payments (credit cards, student loans, auto loans)

•      Documentation for any recent debt payoffs

•      Child support or alimony obligations

Section 5: Other Helpful Items

•      Contact info for employer or HR department

•      Proof of rent payments if you do not have traditional credit

•      A clear idea of how much you plan to use for a down payment

Final Thoughts: Having all this ready before you meet with a lender can shave days off the process and put you one step ahead of other buyers. Think of this checklist as your fast lane to home loan approval.

Do you want help getting your paperwork in order or figuring out where you stand? Contact me and I will walk you through it.