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Bring These Documents When Seeking Out Mortgage Pre-Approval

MortgageIn order to qualify for a home mortgage, there are specific documents that you’re going to need to gather before seeking a pre-approval with your preferred mortgage company. Here is a list of some of the less-known documents that you should prepare prior to visiting your preferred mortgage provider.

Proof of Assets

In order to prove that you can afford the down payment and the necessary expenses surrounding the home, you’re going to have to present bank statements as well as investment account statements. If you are receiving money from a friend or family member to pay for the home, you will need to prove that it’s a gift rather than a loan. Be sure that you receive a gift letter from the individual that provided you with the money.


Lenders are less willing to hand out mortgages to prospective buyers due to the risk of them defaulting. This is why some lenders will go as far as to verify your employment status at your current job. Lenders may want to contact your employer and check on your salary if need be. If you have changed jobs recently, the lender may want to contact your previous employer.

Other Documentation

Other documents that you should keep on hand when you visit your lender are a driver’s license, social security number, and a signature that allows the lender to pull a credit report on you. The entire mortgage process may be stressful. But, by preparing in advance by allocating all of the necessary documents, you’ll be one step closer to home ownership.

Bio: Kuba Jewgieniew is the head of Realty ONE Group, a real estate brokerage firm that has offices in California, Arizona, and Nevada.