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List Of Documents Needed For Pre-Approval

Before making an offer on the house, you need to get preapproval from your financial institution. That way, you can be sure of the loan amount you can be awarded. Remember, you can use calculators to get an estimated amount, but there is a huge chance it might be different from the actual amount the bank awards you. Well, here are some of the necessary documents required before getting a preapproval.

1. Employment History
Before getting a preapproval, you need to provide proof of employment. The documents needed as evidence here include the following.

• Provide W2 forms for the last two years

• Pay stubs for the last 1 to 3 months

• Personal tax returns for the last two years

If you are self-employed, you need to provide the following:

• Personal and business tax returns for the last two years

• Profit and loss statements for every year you have been self-employed

• Balance sheets for every year your business has been in existence

2. Credit History And Rating
Next, you need to provide proof of your credit history and rating. Here, you need to provide the following documents.

• Credit score

• Credit report

N.B.: The loan officer might have a copy of your credit score and report, but it is always prudent to review them on your own before trying to get a preapproval.

3. Current Total Debt
If you have any debts, you need to provide account numbers, balances and names for the following:

• Student loans

• Credit cards

• Car loans

• Divorce decree

• Store lines of credit

• Alimony payments

• Any other consumer debt with monthly payments

• Child support payments

4. Proof Of Down Payment
If there has been a down payment, you need to provide the necessary documentation for such. Provide bank statements for the last two months showing the account balance for both your savings and checking accounts.
5. Assets And Investments
Do you have any other assets and investments? Provide statements for the last two months of your bonds, stocks or other investments. Don’t forget to provide account statements for your retirement accounts such as IRA or the 401k.

6. History Of the Previous Residence
Finally, you need to provide the details of your former landlord if you were renting such as the name and contact details. If you already own a home, you need to provide any current mortgage documentation.

Why Is A Preapproval Important?

With a quick preapproval, you will have an idea of what you can afford before shopping for a new home. Picking a mortgage program or lender can always be done once you have purchased the house. Once you have gone through the preapproval process, you will get a letter that you can present to the seller or realtor for the best results.

There is also an in-depth preapproval that allows you to find out the exact amount you afford and also find the right mortgage program. Of course, if you are getting a mortgage on your home, you need to find the right mortgage lender or broker to use before buying the home.

During the preapproval process, you might be requested to fill a loan application form, online or on site. Here, you need to provide your credit history, your employment history, and your financial standing. It might be several pages long but completing it would be quite easy. Once you have applied the form and all your documentation has been reviewed, the bank or financial institution will communicate to you the status of your loan.

As a potential homebuyer, it is prudent to go through the preapproval process before house hunting or making an offer on any house.

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