What to bring for mortgage pre approval?

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When applying for a mortgage pre-approval, it is essential to come prepared with the necessary documents and information. This article will guide you through the items you should bring to ensure a smooth and successful mortgage pre-approval process.

Proof of Identification

Identification documents: Bring a valid government-issued identification document such as a driver’s license, passport, or national identity card. This will establish your identity and help the lender verify your personal information.

Proof of Income

Pay stubs: Gather your recent pay stubs, typically covering the past two to three months. These documents will provide proof of your income and help the lender assess your ability to repay the mortgage.

W-2 forms or tax returns: Include your W-2 forms from the past two years or your personal tax returns if you are self-employed. These documents will provide a more comprehensive overview of your income and financial stability.

Bank statements: Prepare your bank statements from the past few months, including all accounts you hold. This will help the lender evaluate your financial health and assess your ability to save money for the down payment and mortgage payments.

Employment and Residence History

Employment history: Provide a detailed account of your employment history, including the names and contact information of your employers for the past two years. This information will help the lender assess your stability and consistency in employment.

Residence history: Prepare a list of your previous addresses for the past two years. This will enable the lender to verify your stability in residence and evaluate your creditworthiness.

Asset Documentation

Investment statements: If you have any investment accounts, such as stocks, bonds, or mutual funds, bring statements that provide evidence of these assets. This will showcase your financial strength and diversification.

Retirement account statements: Include statements from your retirement accounts, such as 401(k) or IRA, to demonstrate your long-term financial planning and potential sources of funds for the down payment.

Debt and Credit Information

Loan and credit card statements: Gather statements for any outstanding loans, credit cards, or other debts you may have. This will help the lender assess your debt-to-income ratio and evaluate your ability to manage additional mortgage payments.

Credit report: Obtain a copy of your credit report from one of the major credit bureaus. Review it for any errors or discrepancies and be prepared to discuss any negative items with the lender. A good credit score is crucial for mortgage pre-approval.

Additional Documents

Gift letters: If you are receiving financial assistance from a family member or friend for the down payment, you may need a gift letter. This letter should state that the funds provided are a gift and not a loan.

Divorce or separation documents: If you have been divorced or separated, bring the relevant legal documents. These may include divorce decrees, separation agreements, or child support orders. They will help the lender understand your financial obligations and potential liabilities.


To ensure a smooth and successful mortgage pre-approval process, it is crucial to gather the necessary documents and information. Bring proof of identification, income, employment and residence history, asset documentation, debt and credit information, and any additional relevant documents. By being prepared, you can increase your chances of obtaining a mortgage pre-approval and move closer to your dream home.


– Bankrate: www.bankrate.com/mortgages/what-to-bring-when-getting-a-mortgage/
– The Balance: www.thebalance.com/documents-needed-for-a-mortgage-pre-approval-5193983
– NerdWallet: www.nerdwallet.com/article/mortgages/documents-needed-for-a-mortgage-preapproval