Pre-Approval Process

Getting pre-approved for a mortgage loan is a simple, three-step process.

Step #1
Complete an online questionnaire.  Now, we're not going to link to the questionnaire yet because if we do, you'll click on the link and never come back to read the rest of this page.  And we want you to read the rest of this page.  It's important info and it will make the pre-approval process easier for you (and for us!).

Don't stress about the online questionnaire.  Nothing you enter is written in stone.  We can change, edit, delete, and revise whatever is needed.  We promise, you can't mess it up.

And don't worry about getting every detail precisely correct.  The online questionnaire is just a starting point.  We don't need to know that you have exactly $5,324.19 in your bank account.  An estimate of $5,000 is good enough.  We'll update your bank account balances when we receive your bank statements anyway.

Step #2
We'll schedule a Zoom meeting to review your application and discuss your timeline and goals.  We'll also review some basic numbers to start nailing down a price range for your home purchase.  If you're local and you'd rather meet in person, we'd love to see you!  Or if Zoom isn't your thing, we can arrange for a good, old fashioned phone call.

Step #3
After our meeting, we'll ask you to upload some paperwork to our secure portal.  

If you don't have a scanner, don't know how to create pdf documents, or you're finding the document upload too cumbersome to work with, please let us know.  We can help you!

And please do not take separate pictures of each page of your paperwork with your cell phone.  It will take you a very long time and it's likely the files won't be readable on our end.  We are happy to make arrangements to pick-up physical paperwork from your home or office.  We can even send you a prepaid FedEx label if you're not local.

We'll probably ask for (some of) the following documents:

• 2023 and 2024 personal federal tax returns including all pages and all schedules (federal only). 
• 2023 and 2024 W2s and/or 1099s for all sources of income (wages, pension, social security, IRA distributions, etc.)
• Pay stubs reflecting the most recent 30 days of income for all applicants.
• Previous two months' bank statements for checking, savings, investment, and retirement accounts.  Please include all pages, even if the last page is blank or otherwise irrelevant.

If any of the following documents apply to you, you may be asked to provide them as well:

• If self employed, complete business tax returns for the previous two years.  Please include all pages and all schedules.
• 2025 social security awards letter with current benefit amount.
• Divorce decree and/or child support agreement
• Complete bankruptcy discharge papers.
• DD-214 or military discharge papers.

If your credit history is frozen, you will need to "thaw" all three credit bureaus before we can process your pre-approval.

Now that you've made it to the end, here's that link to the online questionnaire:  Questionnaire Link!

We look forward to working with you!