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Pre-Approval Checklist

We will need the following items to start the pre-approval process:

 

If you are a W-2 EMPLOYEE:

  • Pay stubs for the previous month
  • Bank statements for the previous 2 months (all pages)
  • W2’s for the previous 2 years
  • Full tax returns and 1099’s with all schedules for the previous 2 years
  • Copy of driver's license

 

If you are SELF-EMPLOYED or a BUSINESS OWNER:

  • Full tax returns and 1099’s with all schedules for the previous 2 years
  • Current Profit and Loss Statement, and Balance Sheet (signed and dated)
  • Bank statements for the previous month (all pages)

 

If you have RETIREMENT, DISABILITY, TRUST or OTHER sources of income:

  • Pensions or Social Security documents with award letters or tax documents
  • Bank statements for the previous month (all pages)
  • Proof that income will continue for at least 3 years
  • Trust fund income (documentation funds have been received for previous 2 years)

 

If you have RENTAL PROPERTIES*

  • Provide rental agreement & tax returns for the previous 2 years

* Talk to me if you plan on making your current residence into a rental property

 

ADDITIONAL INFORMATION (if applicable):

  • Provide proof of any large deposits on Bank Statements
  • Copy of Earnest Money Check & corresponding bank statement
  • Copy of Insurance Policy and Tax statement on all properties owned
  • Signed and recorded copy of Divorce Decree, Child Support Order, Spousal Maintenance orders
  • Complete bankruptcy papers (full discharged) if less than 7 years ago
  • Lender originated “Gift Letter” and a complete paper-trail for the gifted money
  • If you own other properties, please provide a mortgage statement showing a breakdown of payment to include taxes & insurance.  If taxes & insurance are not included in mortgage, provide proof of property tax & homeowner insurance premiums.
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WMS Series LLC NMLS ID 713524
WMS Series LLC/WMS Online NMLS ID 1130
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