What to gather before you apply
Having these ready is the single biggest thing that speeds up a pre-approval. You do not need every item to start a conversation.
Nothing is uploaded or collected on this page. When your file progresses, documents are gathered through a secure channel, never by email, and never through a web form.
Identity and contact
- Government-issued photo ID
- Social Security number (given verbally or through a secure channel, never by email)
- Current address and the two years before it
Income and employment
- Most recent pay stubs covering about 30 days
- W-2 forms for the last two years
- Employer names, addresses and dates for the last two years
- Details of any bonus, commission or overtime income
Assets
- Recent statements for chequing and savings accounts
- Retirement or investment account statements
- Documentation for any gift funds and who they're from
Housing history
- Current landlord's contact details, if renting
- Mortgage statements for any property you own
- Property tax and insurance details for properties owned
If you're self-employed
Self-employed, 1099 or business owners
- Personal tax returns for the last two years, all schedules
- Business tax returns for the last two years, if applicable
- A year-to-date profit and loss statement
- Business bank statements, 12 or 24 months, depending on the programme
If you're using VA financing
Veterans, active duty and eligible surviving spouses
- Certificate of Eligibility, or we can help you request one
- DD-214 for veterans
- A statement of service for active duty
Don’t wait until you have everything
Start the conversation now and we’ll tell you exactly which of these actually apply to your situation. It is usually fewer than the full list.