09/19/2024
THE FEDS FINALLY LOWERED INTEREST RATES BY .50%
Great Chance to start looking for your DREAM HOME
Documents to Prepare for Getting Pre-Approved
A. ID Documents
1. Valid Drivers License
2. SS Card !1-800-772-1213 if replacement is needed.
3.Marriage Certificate (if last name different from s***e)
4. Divorce Decree &/or any Court Order Child support.
B. Income Documents
A. If W2 Employee
1. 30 days most recent paystubs
2. W2'S from all jobs in past 24 months. If you get OT, Bonus,
Commission, also need year end Paystubs from past 24
months.
3. Have a 2 year employment timeline ready (Company name,
job title, address, phone, start & end date.
C. If Self-Employed or Using Income from Pensions, SS/Disability,
etc.
1. 2 Most Recent Yrs. Tax Returns
2. 1099 Tax Documents to cover 2 Years
3. For Pensions, SSI, SSID, & VA Disability, need the Award
Letter for the current Year
4. If using Child Support or Alimony:
* Proof of 3 most recent months on time payments. (Can't
used if not paid on time)
* If Union Worker: Letter of Good Standing
* If Veteran: DD-214 or Certificate of Eligibility
* If Active Duty: Points Statement
* If Using High School or College Education to Help Cover a
2 Year work History
* Official School Transcripts
D. Aset Documents
* Most Recent Bank Statements of Any Accounts Money
Is Being Used From
* Nothing can be redacted & All pages are required even
if last page is blank
If Using Retirement or Stock Accounts
* Terms of Withdrawal
If Own Homes/Property
* Most Recent Mortgage Statement
* Most Recent Tax Bill
* Most Recent Home Insurance Declaration Pages
I HOPE THIS HELPS YOU TO BE PREPARED TO MEET WTH
A LENDER. IF YOU NEED HELP FINDING A LENDER OR HOUSE
PLEASE GIVE ME A CALL 614-783-8129.