**We know this information can come off overwhelming, but we are here to help! We are just a phone call or email away. Our goal as a team is to make this process enjoyable and as smooth as possible for all parties involved. Collecting the items below upfront allows us to provide you with the most detailed qualification possible.**

  • Driver's License
  • 30 days most recent paystubs
  • Last 2 years W2s
  • 2 months of bank statements on ALL Accounts
  • Most recent 401K, IRA, etc quarterly statement
  • TAX Returns ( ONLY needed for self-employed borrowers or those with rental properties)

Below is a list of information we will need to gather about both borrowers at the beginning of the application/prequalification process:

Borrower (s) Information:

  • Full Name
  • Date of Birth
  • Social Security Number


  • Current Address
    • If Current address is less than 2 years, we will ask for a previous address history until recent 2 years is covered

Employment and Income

  • Current Employer Name
  • Current GROSS Income
    • Hourly Rate?
    • Salary?
  • If current time on job is less than 2 years, will need previous employment history until a 2 year employment history is established


  • Current Bank Name
    • Estimated balance in checking, savings, etc
  • Any 401K funds, IRA, etc

Initial Discovery Questions about Potential New Home Loan

  • What type of monthly housing payment will you be comfortable paying each month
  • How much funds do you have available to come out of pocket with to invest in your new home purchase ( for down payment, closing costs, home inspection, appraisal, etc)
  • How long do you plan on being in this home?
  • Is this a starter home or do you feel this will be a home you plan on being in for 7 + years?