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3 min read Feb 08, 2024

Documents Needed For Mortgage Pre-Approval: Checklist!

Unlike the prequalification process, you’ll need to submit some standard documents for mortgage preapproval.

Documents Needed For Mortgage Pre-Approval

1. Personal Identification

The mortgage lender will require a valid form of identification to ensure that they are lending to the right person and not someone pretending to be you. It must be government-issued and include a photograph.

2. Social Security Number

Your Social Security card is another form of identification your lender may require. It adds another layer of verification to your identity by matching your Social Security number with your picture ID, confirming that you are receiving the loan.

3. Pay Slips

Your most recent pay stubs aid in the verification of your monthly income and provide proof of employment. If you were paid by check, you should have the check stub, which you can copy and send to the lender.

4. Tax Returns

Certain tax documents, such as your two most recent W-2 forms, are also required for mortgage preapproval. These documents are another means of verifying your income and demonstrating how much was deducted for tax purposes. W-2s from current and previous employers within the last two years will certainly be requested.

5. Account Statements

Bank statements are documents needed for mortgage pre-approval because they help verify your income and demonstrate that you can afford your loan.

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