Be Ready for the Dip

How RateWatch Works

1. Get pre‑qualified. Upload your documents so we can verify and prepare your Savings & Benefits Plan.
2. Set your target. Tell us your ideal monthly payment, rate, or savings goal.
3. We monitor. Our team watches the market and your scenario.
4. Instant alert. When the market hits your target window, we contact you to lock.

Already applied? Upload items here so we can finalize your RateWatch settings.

RateWatch — Be Ready for the Dip

Hi , To finalize your pre-qualification and activate your RateWatch alerts, please upload the items below. This lets us prepare your personalized Savings & Benefits Plan and lock quickly when your target appears. Important: If your loan is a VA IRRRL/Streamline or FHA Streamline, no income documentation is required. Please only send your current mortgage and insurance information listed below.

Required Documents

• Current mortgage statement(s) for all properties owned
• Homeowner’s insurance declarations page

Income Documentation (if applicable) Only needed for full-document loans.

W-2 Wage Earner:

• 2 most recent years of W-2s
• Most recent 30 days of paystubs
• Year-end paystubs for past 2 years (if receiving overtime, bonuses, or commissions)

Retired:

• Current Social Security, pension, or VA award letter (if applicable)

Self-Employed (Standard):

• 2 years of most recent personal tax returns (1040s)
• 2 years of business tax returns (1120 or 1065), if applicable
• Business license (if applicable)
• Year-to-date profit & loss statement

Self-Employed (Alternative):

• 12 months of personal or business bank statements
• Or 1099s for most recent year

Secure Upload Note: Pre-qualification is not a commitment to lend. Locking a rate requires an eligible application, documentation, and lender approval. Availability can change intraday.

Join RateWatch

Why Pre‑Qualification Matters

Getting pre-qualified helps us understand your goals and prepare a plan that fits your situation before the market moves.

With your income and property details verified, we can:

• Identify appropriate loan programs and potential savings in advance
• Set accurate RateWatch alerts based on your approved scenario
• Move quickly to lock when your target rate or payment becomes available
• Avoid delays when opportunities open

Pre-qualification doesn’t commit you to a loan—it simply ensures you’re ready to act when the right opportunity appears.