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.