Home Purchase: Get Pre Approved & Offer Ready
Win your offer with a strong, fast pre approval. Use this page to see the exact documents needed, confirm down payment and reserves, coordinate with your realtor, and upload securely.
How We Get You Offer Ready
- Apply and upload required docs for your loan type.
- Verify funds for down payment, closing costs, and reserves.
- We issue a pre approval (subject to conditions) and align with your realtor.
- RateWatch monitors pricing; we help you choose lock timing once under contract.
Numbers are illustrative until a lender lock is confirmed after contract and approval.
RateWatch — Be Ready for the Dip
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
Let’s get started
Our team of licensed loan officers is here to help guide you through your options based on your unique situation.
This website provides information only and does not guarantee credit or loan approval. Dates and information are subject to change without notice. All loan products are subject to credit approval.
Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.
By submitting the form on this website or contacting us by phone, text, or email, you consent to be contacted by Prime Choice Funding, Inc. via phone, email, and text, including via automated technology where permitted. Message and data rates may apply. Consent is not required to obtain credit or services. Reply STOP to opt out; HELP for help. If you have questions, call 877-787-7463 or email info@primechoicefunding.com. Calls may be monitored or recorded for quality and training.
Prime Choice Funding, Inc. • 1 Corporate Park, Suite 200 Irvine, CA 92606 • NMLS ID 117375 • NMLS Consumer Access • Equal Housing Opportunity
This is not a commitment to make a loan. All approvals are subject to creditworthiness, underwriting guidelines, satisfactory title, and appraisal. Minimum/maximum loan amounts apply; not all applicants will qualify. Final decisions are subject to lender approval and may require additional documentation. Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA, or the Federal Government. See our Privacy Policy, Terms of Use, SMS Terms, and Licensing.
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