What to Bring for a Mortgage Pre Approval : Essential Checklist for Success




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What to Bring for a Mortgage Pre-Approval

The process of getting a mortgage pre-approval can seem overwhelming, but with the right preparation, it can go smoothly. One important step in obtaining a mortgage pre-approval is gathering the necessary documents. By having all the required paperwork ready, you can expedite the process and increase your chances of getting approved. Here is a list of documents you should bring when applying for a mortgage pre-approval:

1. Proof of Identification

Be sure to bring a valid government-issued identification, such as a driver’s license or passport, to verify your identity.

2. Proof of Income

You will need to provide proof of your income, so it’s important to bring the following documents:

  • Payslips: Bring your recent payslips to show your regular income.
  • Tax Returns: Provide your most recent tax returns, including all schedules and documentation.
  • W-2 Forms: Bring your W-2 forms from the past two years.

3. Bank Statements

Lenders want to see your financial history, so bring at least three months of bank statements for all your accounts. This will help them evaluate your spending habits and determine if you have the necessary funds for a down payment and closing costs.

4. Employment Verification

Bring documents that confirm your employment, such as a signed letter from your employer stating your position, salary, and length of employment. Self-employed individuals may need to provide additional documentation, such as business financial statements.

5. Proof of Assets

If you have any assets, such as investments or other properties, bring documentation to prove their existence and value. This could include bank statements, stock market portfolios, or real estate deeds.

6. Credit History

Your credit history plays a significant role in the mortgage pre-approval process. Prepare by obtaining a copy of your credit report and credit score. While the lender will pull your credit report later, having this information beforehand allows you to address any issues or discrepancies upfront.

7. Documentation of Debts

Compile a list of all your outstanding debts, such as credit card balances, student loans, or car loans. Include the minimum monthly payment, the balance owed, and the name and contact details of each creditor.

8. Proof of Down Payment

If you have already saved money for a down payment, bring proof of those funds. This can include bank statements and investment account statements, showing that you have enough money for the down payment and closing costs.

9. Additional Documents

Depending on your specific financial situation, the lender may request additional documents. These could include divorce decrees, child support agreements, or bankruptcy discharge papers. It’s always a good idea to be prepared and bring any relevant paperwork.

Frequently Asked Questions On What To Bring For A Mortgage Pre Approval : Essential Checklist For Success

What Documents Should I Bring For A Mortgage Pre-approval?

To apply for a mortgage pre-approval, you’ll need to bring your ID, income verification, bank statements, and tax returns.

How Long Does A Mortgage Pre-approval Process Take?

The mortgage pre-approval process typically takes a few days to a week, depending on the lender and your financial situation.

Can I Get A Mortgage Pre-approval With Bad Credit?

Yes, it is possible to get a mortgage pre-approval with bad credit. However, the terms may be less favorable and you may need to provide additional documentation or a larger down payment.

Do I Need To Bring A Down Payment For A Mortgage Pre-approval?

No, the down payment is typically not required for a mortgage pre-approval. However, you’ll need to provide proof of funds to show that you have the necessary funds for closing.


Gathering the necessary documents for a mortgage pre-approval can save you time and make the process much smoother. By having all the required paperwork ready, you demonstrate your preparedness to the lender and increase your chances of getting approved for a mortgage. Remember to bring your proof of identification, income, bank statements, employment verification, assets, credit history, debts, proof of down payment, and any additional documents as required. Good luck with your mortgage pre-approval process!

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